Without complete documentation, it’s difficult to know whether your property insurance contents coverage truly reflects what you own—and insurance won’t pay for what you can’t prove.
All-Inclusive Inventory & Appraisal replaces assumptions with documentation, giving you confidence that your insurance decisions are based on facts—not guesswork—and providing the documentation you’ll need if you ever have to file a claim.
If your goal is to make informed insurance decisions about the contents of your property, this is the solution we recommend.
All-Inclusive may be your best solution if you:
Want to know whether your insurance contents coverage accurately reflects what you own.
Own a home, second home, business, church, or other property with significant tangible personal property assets and have never documented them for insurance.
Need certified appraisals for numerous high-value items for insurance purposes.
Want an independent insurance coverage review and recommendations for accurate coverage.
Are unsure if you need Valuable Articles Coverage for certain high-value items.
Prefer making insurance decisions based on documented facts rather than estimates or assumptions.
Most people have no reliable way of knowing whether their contents coverage accurately reflects the value of everything they own.
All-Inclusive combines a complete inventory, aggregate valuation, certified appraisals for qualifying items, and an independent insurance coverage review and recommendations into one professional process.
The result isn’t simply better documentation.
It’s a clear understanding of what you own, what it’s worth, and whether your insurance coverage protects it.
If your primary goal is to obtain certified appraisals for selected items—rather than determine the total value of everything you own or evaluate your insurance contents coverage—Appraisal Only may provide the documentation you need.
Every All-Inclusive project is designed to answer the questions that matter most before you ever need the answers.
A complete room-by-room inventory with precise descriptions and digital images of every item in your property creates a detailed record of your tangible personal property assets.
Every documented item contributes to an aggregate valuation of all your personal property assets, while items valued at $2,500 or more also receive certified appraisals.
An independent insurance coverage review compares your documented personal property values and their aggregate valuation with your current contents coverage and identifies items that may require Valuable Articles Coverage.
Know where each item is located within your home or property—and across multiple properties—making it easier to find, verify, and account for your belongings when you need the information.
A client’s vacation home was destroyed by fire, resulting in a personal property loss of more than $3 million. Fortunately, AVI had documented and appraised the home’s contents before the loss. That documentation had helped establish appropriate insurance coverage and provided detailed evidence when the claim was disputed. After nearly a year of litigation, the insurance company ultimately paid the full amount of the claim plus the client’s legal fees.
The documentation was there before the loss. It made a $3 million difference.
Every property is different, and every client’s situation is unique.
If you’re still not sure whether All-Inclusive is the right solution, let’s talk. We’ll answer your questions, explain your options, and help you make the decision that’s right for your property, your insurance coverage, and your goals.
Determining the right amount of personal property coverage can be difficult without knowing what a client actually owns and what it’s worth.
AVI’s All-Inclusive service provides a comprehensive inventory, the value every item, the aggregate value of all items, and certified appraisals for items valued at $2,500 or more. The completed report also compares the client’s current coverage with recommended limits for Schedule C and Valuable Articles, giving you and your client the information needed to make informed coverage decisions.
AVI works directly with the client from start to finish. You get a trusted resource to recommend—and your client gets the documentation needed to make better insurance decisions.
A certified appraisal is a professional valuation of personal property prepared by a qualified appraiser and supported by documented research and methodology. AVI’s certified appraisals are performed in accordance with the Uniform Standards of Professional Appraisal Practice (USPAP) and applicable IRS reporting guidelines. Unlike an estimate of value, a certified appraisal provides documented, professional support for the value established.
This term is used by the appraisal and insurance industry to represent the total value of everything that is inventoried. If we inventory your entire property, your Aggregate Valuation represents the value of all your personal property.
Contents coverage on your homeowners or business property policy usually has limits in certain categories on what your insurance company will pay if there is a claim. A Valuable Articles policy, or schedule, is extra coverage aimed at protecting your individual high-value assets. It usually requires certified appraisals on each of your covered personal property assets as proof of value.
The onsite inventory typically takes about one day for every 3,500 square feet, with a team of two Inventory Specialists. The actual time can vary depending on the amount and type of personal property. Homes with extensive collections of sterling silver, china, collectibles, or other specialty assets may require more time.
Once the onsite work is complete, the All-Inclusive appraisal report and supporting documentation are delivered within eight weeks of payment of the initial onsite invoice.
