A useful home inventory does more than list rooms. After a loss, you may need descriptions, serial numbers, photos, receipts, quantities and replacement estimates, then a separate record of policy limits, deductibles, depreciation, insurer offers and actual payments. Spread across a phone gallery, an email inbox and a spreadsheet, those details are hard to find exactly when you need them, and the totals are easy to count twice.

Home Inventory & Insurance Claim Desk keeps the original inventory and the loss event connected without overwriting history. Record belongings before a problem or reconstruct them afterwards. Enter policy limits and settlement rules exactly as you understand them; the program does not read or interpret the policy for you.

For each claim line, compare requested replacement value, an entered assessment, depreciation, item/category/total limits and the shared event deductible. Offers remain offers until accepted and paid. Cash, direct vendor payments and vouchers are separate, and a voucher can use a practical value you enter rather than pretending face value equals cash.

The report shows evidence available, conditional recoverable depreciation, confirmed payments and remaining potential under the entered rules. It also compares the inventory’s replacement estimate with the entered applicable limit. These are organisation and arithmetic tools, not a coverage decision or a promise of payment.

Worked example from the fictional theft demo: a road bicycle with a replacement value of 1,000 and entered depreciation of 200 has an ACV of 800; with an entered per-item limit of 700, the eligible amount is 700. Headphones (300) and a tablet (500) share an entered electronics sublimit of 500, so they become 187.50 and 312.50. One 100 deductible is applied once across the event — 43.75, 11.72, 19.53 and 25.00 on the four lines — leaving a net potential of 1,500. An accepted offer of 500 followed by a cash payment of 500 counts as 500 paid, not 1,000; a store voucher with a face value of 100 that is worth 80 to the household counts as 80. With 120 of depreciation still conditional on a replacement receipt, the remaining potential is 800 under the entered terms.

Try the three fictional demos — a theft with an electronics sublimit, a water loss with repair, held-back depreciation and a percent deductible, and a whole-house inventory compared with an entered limit — before adding your own records. A one-time purchase gives you the full online tool and the downloadable offline program; an active PRO subscription opens the full online tool while it is active, without the new offline program. Both let you keep the reports, CSV files and backups you create.