Moving is a significant part of military life and let’s face it, packing up your cherished belongings and watching them ride off to your new location can sometimes be unsettling. One way to ease the stress of potential missing or damaged items is having adequate insurance. These simple steps can help you understand the value of your belongings and how to keep a detailed inventory so you can work with your insurance company to ensure you are adequately covered before you move.

Taking inventory: A step-by-step guide

1. Create a list: Start by making a comprehensive list of all your belongings. Include everything from furniture and electronics to clothing and personal items. Be as detailed as possible, noting the make, model and serial numbers of valuable items.
2. Photograph your items: Take clear photos of each item. This visual documentation can be invaluable if you need to file an insurance claim. Make sure to capture both the overall appearance and any identifying marks or features.
3. Estimate values: Research the current market value of your items. For high-value items like jewelry, art or electronics, consider getting professional appraisals. Keep receipts and purchase records for new items to support your valuations.
4. Store your inventory: Keep your inventory list and photos in a safe, accessible place. Consider storing a digital copy in the cloud or on a secure online storage service. If you keep physical records, this will be a key item to keep with you as you travel to your next duty station.

Benefits of a detailed inventory

1. Accurate insurance coverage: Knowing the value of your belongings and the different types of insurance ensures you are not overpaying for coverage you don’t need or underinsured in case of a claim. This fact sheet can get you started.
2. Simplified claims process: In the event of a loss, having a detailed inventory makes the claims process smoother and faster. Insurance companies will require proof of ownership and value, and your inventory will provide this documentation.
3. Peace of mind: Taking inventory gives you peace of mind. You know exactly what you have, and you are prepared for any unexpected situations.

Additional tips

• Update regularly: Your inventory should be a living document. Update it regularly, especially after major purchases or moves.
• Use apps: Consider using inventory apps designed to help you keep track of your belongings. These apps can simplify the process and provide a centralized, organized system as well as cloud storage.
• Communicate with your insurance provider: Regularly review your insurance policy with your provider to ensure it meets your current needs. Inform them of any significant changes in your inventory.
• Know your benefits: The Defense Personal Property Program provides quality moving and storage services. Learn more about your entitlements and how to navigate the process here.

Moving can be a hectic and stressful time but taking the time to know the value of your household goods, creating a detailed inventory and confirming you are adequately insured can provide a sense of security and control. Wishing everyone a smooth transition on their next PCS move.