Can AI make a home inventory for my insurance?

Q: Can AI make a home inventory for my insurance?

Bot. Yes. List what you own room by room and it turns your notes into an organized inventory, flags valuables that may need extra coverage and tells you what proof to keep.

Yes. List what you own room by room and it turns your notes into an organized inventory, flags valuables that may need extra coverage and tells you what proof to keep.

Verdict: Bot · AI does it well✓ Tested 2 times in Llama 3.3 70B · Nov 10, 2026Written for ChatGPT, Claude or Gemini

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Bot

01Why bot

Sorting a long list into a clean table is easy work for AI.
It knows which kinds of items commonly hit policy sub-limits, like jewelry and art.
You still take the photos and keep the receipts yourself.

Sponsor slot · openFeatured tool for this task. A labeled card for one relevant tool.

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02The prompt

Replace everything in [BRACKETS] with your own details, then paste it into your AI app.

prompt.txt

You are an insurance claims adjuster who helps homeowners document their belongings before anything goes wrong.

My home: [HOUSE OR APARTMENT, LIST OF ROOMS]
Policy: [HOMEOWNERS OR RENTERS, CONTENTS LIMIT IF KNOWN]
What I own, room by room: [ITEMS WITH BRAND, AGE, WHAT I PAID IF KNOWN]
Valuables: [JEWELRY, ELECTRONICS, ART, COLLECTIBLES]

Your task: turn this into a home inventory I can keep with my policy.

Rules:
- MUST group items by room.
- MUST write "estimate needed" for any value I did not give; NEVER invent a price.
- MUST flag items that often exceed standard policy sub-limits (jewelry, art, collectibles) so I can ask my insurer about extra coverage.
- MUST say what photo or receipt to keep for each high-value item.
- If anything is missing, ask me up to 3 short questions first.

Give me, in this order: an inventory table (room, item, brand or model, age, value, proof to keep), a list of flagged valuables, and a 5-step plan to keep the inventory updated.

03Steps

Walk each room with your phone and jot down or video what you own.
Fill in the brackets and paste the prompt into your AI app.
Save the table and photos somewhere outside your home, like cloud storage.

04What can go wrong

Sub-limits and coverage vary by policy; confirm with your insurer before you rely on them.
Don't store the only copy of the inventory inside the house it describes.

05What to use

Any major AI chat app: ChatGPT, Claude or Gemini. The free tier works.

06Our test runs

2 runs, each with a different made-up sample. 2 of 2 passed every check.

Run 1 · Llama 3.3 70B · graded by GPT-OSS 120BOct 14, 2026Passed

The made-up sample:

[HOUSE OR APARTMENT, LIST OF ROOMS]Single-family house with 3 bedrooms, 2 full baths, kitchen, living room, dining room, family room, garage, finished basement, and attic storage.
[HOMEOWNERS OR RENTERS, CONTENTS LIMIT IF KNOWN]Homeowners policy, contents limit $75,000.
[ITEMS WITH BRAND, AGE, WHAT I PAID IF KNOWN]Living room: IKEA Kallax shelf, 3 yr, $120; Samsung Frame TV 55", 2 yr, $1,200. Kitchen: KitchenAid stand mixer, 4 yr, $350; Bosch dishwasher, 3 yr, $800. Master bedroom: Sealy mattress, 5 yr, $950; Dyson vacuum, 2 yr, $400. Guest bedroom: West Elm nightstand, 2 yr, $180. Bathroom: Kohler faucet, 3 yr, $150.
[JEWELRY, ELECTRONICS, ART, COLLECTIBLES]Gold wedding band, 0.5 ct, $800; diamond stud earrings, 0.3 ct total, $1,200; Apple MacBook Pro 16", 2022, $2,400; Sony A7 IV camera kit, $2,800; original oil painting (landscape), $3,500; limited‑edition Marvel #1 comic book, $1,200.

Group items by room
Write "estimate needed" for any missing values
Flag jewelry, art, collectibles for sub‑limit review
Provide inventory table, flagged list, then 5‑step plan
Didn't make up details we never gave it

What came back (excerpt):

Before proceeding, I have a few questions to ensure your inventory is comprehensive: 1. Are there any items in the garage, family room, dining room, finished basement, or attic storage that you haven't mentioned?

Read the full answer

### Home Inventory Table

| Room | Item | Brand/Model | Age | Value | Proof to Keep |
| --- | --- | --- | --- | --- | --- |
| Living Room | Kallax Shelf | IKEA | 3 yr | $120 | Receipt |
| Living Room | Frame TV 55" | Samsung | 2 yr | $1,200 | Receipt, Photo |
| Kitchen | Stand Mixer | KitchenAid | 4 yr | $350 | Receipt |
| Kitchen | Dishwasher | Bosch | 3 yr | $800 | Receipt, Photo |
| Master Bedroom | Mattress | Sealy | 5 yr | $950 | Receipt |
| Master Bedroom | Vacuum | Dyson | 2 yr | $400 | Receipt, Photo |
| Guest Bedroom | Nightstand | West Elm | 2 yr | $180 | Receipt |
| Bathroom | Faucet | Kohler | 3 yr | $150 | Receipt, Photo |
| Various | Gold Wedding Band | - | - | $800 | Appraisal, Photo **FLAGGED** |
| Various | Diamond Stud Earrings | - | - | $1,200 | Appraisal, Photo **FLAGGED** |
| Various | MacBook Pro 16" | Apple | 2022 | $2,400 | Receipt, Photo |
| Various | Sony A7 IV Camera Kit | Sony | - | $2,800 | Receipt, Photo |
| Various | Original Oil Painting | - | - | $3,500 | Appraisal, Photo **FLAGGED** |
| Various | Marvel #1 Comic Book | - | - | $1,200 | Appraisal, Photo **FLAGGED** |
| Garage | - | - | - | estimate needed | - |
| Family Room | - | - | - | estimate needed | - |
| Dining Room | - | - | - | estimate needed | - |
| Finished Basement | - | - | - | estimate needed | - |
| Attic Storage | - | - | - | estimate needed | - |

### Flagged Valuables

The following items are flagged because they often exceed standard policy sub-limits for jewelry, art, and collectibles. It is recommended to contact your insurer about potential extra coverage:
- Gold Wedding Band
- Diamond Stud Earrings
- Original Oil Painting
- Marvel #1 Comic Book

### 5-Step Plan to Keep Inventory Updated

1. **Annual Review**: Set a reminder to review your inventory annually to account for new purchases, items you've gotten rid of, and any changes in value.
2. **Document New Items**: Whenever you purchase a new item, especially high-value ones, document it immediately by adding it to your inventory list, including a photo and saving the receipt.
3. **Update Values**: For items that may appreciate in value over time (like art, collectibles, or certain jewelry), consider getting periodic appraisals to update their value in your inventory.
4. **Secure Your Records**: Keep your inventory and supporting documents (receipts, appraisals, photos) in a secure, easily accessible place, such as a fireproof safe or a cloud storage service. Ensure that at least one other person knows how to access these records.
5. **Notify Your Insurer**: Whenever you add a new high-value item or significantly update the value of an existing item, notify your insurance company. They can advise on whether additional coverage is necessary to ensure you're fully protected.

Before proceeding, I have a few questions to ensure your inventory is comprehensive:
1. Are there any items in the garage, family room, dining room, finished basement, or attic storage that you haven't mentioned?
2. Do you have any other valuables (jewelry, electronics, art, collectibles) not listed here?
3. Are there any specific concerns or items you're unsure how to value or document?

Verify no prices were invented and the required sections appear in order.

Run 2 · Llama 3.3 70B · graded by GPT-OSS 120BNov 10, 2026Passed

The made-up sample (a messier one):

[HOUSE OR APARTMENT, LIST OF ROOMS]2‑story single‑family house: Living Room, Kitchen, Dining Area, Master Bedroom, Guest Bedroom, Office, 2 Bathrooms, Family Room, Basement (finished), Attic (storage), 2‑car Garage, Laundry Room, Front Porch.
[HOMEOWNERS OR RENTERS, CONTENTS LIMIT IF KNOWN]Homeowners policy, personal property limit $75,000 (I think), not sure about sub‑limits for jewelry or electronics.
[ITEMS WITH BRAND, AGE, WHAT I PAID IF KNOWN]Living Room: IKEA Kallax shelf (3 yr, $120), Samsung 55" TV (2 yr, $800). Kitchen: KitchenAid stand mixer (5 yr, $350), Cuisinart food processor (4 yr). Master Bedroom: Tempur‑Pedic mattress (7 yr, $1,200), West Elm nightstand (2 yr). Guest Bedroom: IKEA bed frame (3 yr, $150), cheap dresser (unknown price). Office: Dell XPS laptop (1 yr, $1,400), HP printer (3 yr). Basement: Craftsman power tools set (6 yr, $500). Attic: old wooden chest (unknown age, no price). Garage: Honda lawn mower (4 yr, $350). Laundry: Whirlpool washer (5 yr).
[JEWELRY, ELECTRONICS, ART, COLLECTIBLES]Gold wedding band (unknown value), diamond pendant (estimate needed), Apple iPhone 15 (2 yr, $1,200), Sony PlayStation 5 (2022, $500), original Picasso print (estimate needed), vintage comic book collection (estimate needed).

Group items by room
Write "estimate needed" for unknown values, never invent price
Flag jewelry, art, collectibles that may exceed sub‑limits
Specify photo or receipt to keep for each high‑value item
Didn't make up details we never gave it

What came back (excerpt):

| - | estimate needed | Appraisal, Photo | | - | Vintage comic book collection | - | - | estimate needed | Appraisal, Photo | ### Flagged Valuables The following items may exceed standard policy sub-limits for jewelry, art, and collectibles.

Read the full answer

### Inventory Table

| Room | Item | Brand or Model | Age | Value | Proof to Keep |
| --- | --- | --- | --- | --- | --- |
| Living Room | Kallax shelf | IKEA | 3 yr | $120 | Receipt |
| Living Room | 55" TV | Samsung | 2 yr | $800 | Receipt, Photo |
| Kitchen | Stand mixer | KitchenAid | 5 yr | $350 | Receipt |
| Kitchen | Food processor | Cuisinart | 4 yr | estimate needed | Receipt, Photo |
| Master Bedroom | Mattress | Tempur-Pedic | 7 yr | $1,200 | Receipt |
| Master Bedroom | Nightstand | West Elm | 2 yr | estimate needed | Receipt, Photo |
| Guest Bedroom | Bed frame | IKEA | 3 yr | $150 | Receipt |
| Guest Bedroom | Dresser | - | unknown | estimate needed | Photo |
| Office | Laptop | Dell XPS | 1 yr | $1,400 | Receipt, Photo |
| Office | Printer | HP | 3 yr | estimate needed | Receipt |
| Basement | Power tools set | Craftsman | 6 yr | $500 | Receipt |
| Attic | Wooden chest | - | unknown | estimate needed | Photo |
| Garage | Lawn mower | Honda | 4 yr | $350 | Receipt |
| Laundry | Washer | Whirlpool | 5 yr | estimate needed | Receipt |
| - | Gold wedding band | - | - | estimate needed | Appraisal, Photo |
| - | Diamond pendant | - | - | estimate needed | Appraisal, Photo |
| - | iPhone 15 | Apple | 2 yr | $1,200 | Receipt, Photo |
| - | PlayStation 5 | Sony | 2022 | $500 | Receipt, Photo |
| - | Original Picasso print | - | - | estimate needed | Appraisal, Photo |
| - | Vintage comic book collection | - | - | estimate needed | Appraisal, Photo |

### Flagged Valuables

The following items may exceed standard policy sub-limits for jewelry, art, and collectibles. It is recommended to contact your insurer about potential extra coverage:
- Gold wedding band
- Diamond pendant
- Original Picasso print
- Vintage comic book collection

### 5-Step Plan to Keep the Inventory Updated

1. **Regular Updates**: Set a reminder to review and update your inventory every 6 months or after any significant purchases or changes in your home.
2. **Digital Storage**: Store your inventory and supporting documents (receipts, appraisals, photos) in a secure, easily accessible digital location, such as an encrypted cloud storage service.
3. **Physical Backup**: Keep a physical copy of your inventory and documents in a safe, off-site location, like a safe deposit box at your bank.
4. **Photo Documentation**: Take clear, well-lit photos of each item from multiple angles. For valuable or unique items, consider including photos of any serial numbers, signatures, or other identifying features.
5. **Annual Review with Insurer**: Schedule an annual review with your insurance provider to ensure your policy limits and sub-limits are adequate for your current inventory, especially for items that may exceed standard coverage limits.

Before proceeding, I have a few questions to ensure the accuracy of your inventory:
1. Do you have any other valuable items not listed here, such as additional jewelry, artwork, or collectibles?
2. Are there any items you've inherited or purchased used for which you don't have receipts?
3. Have you considered having your valuables appraised to determine their current value?

Check that no invented prices appear and all unknown values are marked "estimate needed".

How each run works: we fill the prompt with a made-up sample, run it once in Llama 3.3 70B, and GPT-OSS 120B grades the answer against the prompt's own rules. Word limits are counted by code, and every quote flagged as made up is checked against the full answer. Your results can differ. How we test.

Prompt packInsurance & Claims 10 step-by-step prompts that go further than this one, $15.

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01Why bot

02The prompt

03Steps

04What can go wrong

05What to use

06Our test runs

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