Insurance-Ready Asset Documentation
How much documentation an item deserves
Held
Advisory Group
Documentation depth rises with item value
Baseline
Everything the household owns
Depth
30–60 sec
Per item
  • —Clear, front-facing photo
  • —Item name and category
  • —Rough purchase price
  • —Approximate purchase date
Goal: prove ownership.
Mid-Value
Approximately $500 – $2,000
Depth
2–3 min
Per item
  • —Multiple photos incl. brand/model
  • —Brand, model, or artist
  • —Receipt, where available
  • —Condition notes
Goal: reduce valuation disputes.
High-Value
Approximately $2,000 – $5,000+
Depth
5–10 min
Per item
  • —Detailed photos, incl. serials/signatures
  • —Exact specs: dimensions, materials, edition
  • —Original receipt or strong proof
  • —Backup proof: email or bank record
Goal: full reimbursement, no negotiation.
Premium
Art, jewelry, collectibles
Depth
External
Specialist-led
  • —Everything in High-Value, plus:
  • —Professional appraisal
  • —Provenance, where relevant
Goal: qualify for scheduled coverage.
One rule that simplifies everything
Tier 1
If losing it would annoy you.
Tier 2–3
If losing it would hurt financially.
Tier 4
If losing it would be a major setback.
Minimum viable setup
Covers roughly 90% of cases without over-documenting a household.
1Video walkthrough of the home
2Baseline inventory for every item
3Receipts, added detail over ~$1,000
4Appraisals reserved for premium items