A theft claim runs on two documents: the police report and your itemized inventory. The insurer cross-checks them, so the list you give police and the list you give the adjuster should match — and both should be complete. Here's the method.
Report the break-in immediately — most policies require it for theft claims. You won't remember everything in the first hour; ask how to supplement the report as you discover more missing items over the following days, and add to your insurance list in the same order.
Burglars take small, dense value: jewelry boxes, electronics, cash, watches, prescription meds, game consoles, tools, bikes. Open every drawer, case and cabinet and note what's missing — people routinely discover items weeks later that never make it onto the claim.
You rarely have receipts for what was stolen. Photos where the item appears in the background, box packaging, manuals, serial numbers registered with manufacturers, bank statements and even old insurance appraisals all work as evidence. Attach what you have; list the rest anyway.
Jewelry, watches, furs, cash, firearms and sometimes electronics carry per-category caps (often $1,500–2,500 total for jewelry on standard policies). List everything at honest replacement value regardless — the sub-limit is the insurer's math to apply, not a reason to under-report.
ClaimList replaces the empty spreadsheet with a room-by-room catalog of 1,300+ household items with editable typical prices. Tap through it the way you remember your home, watch the claim total build, and export an adjuster-ready spreadsheet. Free to build and preview everything; $12 once to export. Runs entirely in your browser — your burglary inventory never leaves your device.
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