Best home inventory app for insurance claims

We make BoxTrack.

After a fire, a break-in or a flood, the insurer wants to know what each thing was, what it cost and when you got it. State insurance departments and the Insurance Information Institute suggest keeping, for each thing:

• A photo close enough to see what it is, plus one of the model and serial number label on electronics and appliances.
• What it is, with the brand and model.
• Roughly what you paid and when. A fair estimate is fine where there's no receipt.
• What it would cost to replace today.
• For jewelry, art and other valuables, receipts or appraisals, with a copy kept outside your home.

An app helps most with the first and last: the photo stays with the item, and the list lives online, not in the house.

Policies pay for belongings one of two ways. Replacement cost pays what it costs to buy the thing new today. Actual cash value pays what it was worth when you lost it, after age and wear. Your policy says which you have. An app that keeps both numbers for your bigger things means you have the right one either way. BoxTrack keeps both, a used value and a replacement value, for every item. For the other apps here, we couldn't confirm from their own pages whether they keep one value or two.

HomeZada: best report for homeowners who want value by room. It makes a formatted home inventory PDF and an Excel export, and shows value by room or category. The company says its AI picks out items in photos and video. On iPhone, Android and the web.

Itemtopia: best for receipts and warranties alongside the report. Insurance claim and estate reports as PDF or CSV, on its paid plan. Emailed receipts become items, which helps with "what you paid and when". On iPhone, Android, Mac, Windows and the web.

Asset Vault: best iPhone app for an insurance PDF. A photo suggests the name, brand, category and value, it scans receipts, and it exports an insurance-ready PDF. iPhone only.

NAIC Home Inventory: best free starting point. Free, from the state insurance regulators, with claims guidance built in. It exports your list, but store reviews mention problems with the PDF's photo layout and with exports on large inventories. Test an export before you need it.

Bevel: best after a loss. Founded after the 2025 Los Angeles fires. AI lists what's in your photos or videos and estimates values, and you download a spreadsheet built for the insurer. NerdWallet found the values and labels were sometimes wrong.

BoxTrack: best if you want both values and dated photos in one PDF. Snap each thing room by room; AI fills in names and replacement values, and you add serial numbers and purchase dates. The PDF report has every photo, the date you added it and its values, and you can export to Excel. Be aware: it's new, it's a web app with no app-store download, it can't import from other apps, and the free plan is 1 box with up to 5 items (report included). A whole home needs a paid plan, with a 72-hour free trial. BoxTrack gives you the list; filing the claim is still yours to do.

• Check what an AI value is. Every app's AI value is an estimate. Look over the big things yourself, and use receipts where you have them.
• Make a test report now. Export one room and open it. If it's hard to read, it'll be hard for an adjuster too.
• Keep the report somewhere else, and update it when your policy renews.

What is the best home inventory app for insurance?

The one you'll finish, with a photo, values and a date for each thing, a report you can send, and a copy kept online. Which one depends on your devices and budget; the picks above sort that out.

Do I need receipts for a home inventory?

Not for everything. For most things a photo, a description and an honest estimate of the price and date are enough. For valuables, keep receipts or appraisals, with a copy outside your home.

More: home inventory for insurance with BoxTrack, the free room-by-room checklist and what to use now that Encircle has shut down.