Inventory your contents
Photograph rooms, closets, garage areas, electronics, furniture, tools, jewelry boxes, hobby gear, and home office equipment.
Coverage check
Check whether your renters or homeowners coverage matches what you own
Most people pick a personal property coverage number once and never test it against the real contents of their home. AI-Temize creates a room-by-room inventory with replacement value estimates so you can compare your belongings against your renters or homeowners policy limits.
Compare to policy limits
Look at your renters or homeowners declarations page for personal property coverage, sublimits, deductibles, and replacement-cost vs. actual-cash-value language.
Fix gaps before a loss
If your estimated contents value is higher than your coverage, talk to your agent about limits, scheduled items, endorsements, or renters policy upgrades.
Common coverage gaps to check
- •Jewelry, watches, and collectibles sublimits
- •Home office equipment and business property limits
- •Tools, bikes, sporting goods, and hobby equipment
- •Electronics, computers, cameras, and audio gear
- •Replacement cost vs. depreciated actual cash value
- •Storage unit or off-premises property limits
- •High-value furniture, appliances, and renovations
- •Recent purchases not reflected in old coverage choices
Insurance note
AI-Temize does not sell insurance or determine coverage. Use your report to have a more specific conversation with your insurance agent about limits, sublimits, exclusions, deductibles, and scheduled personal property.