Know what a room costs to replace, before you need to.
Photograph each room and get a line-by-line record of what is in it, with your contents kept apart from the building itself. The moment most people discover their coverage is short is the moment they file.
No account, no card. The itemization opens on its own page, so you see it before you decide anything.
Peace of mind in no time
Photograph your property once
Take a quick walk through the rooms with your phone, instead of an afternoon with a notepad trying to remember what is in the closets and cabinets.
Your insurer works from a record
A replacement-value list, with contents kept apart from the building itself, is what an agent or an adjuster needs to see. It is also how you find out where your coverage stands before a loss, not during one.
Make the list before you need it
After a fire, a theft or a flood, proving what a room contained is close to impossible from memory. Phototory creates a list and its capture dates before you need them.
Homeowners and landlords
Replacement-value records
Work out roughly what it would cost to replace a room before you need to (and discover your coverage is short). Landlords who rent out furnished places can use the same list to document what they provide to their tenants.
Example reportLiving room, furnished
Your belongings (personal property)
Furnishings, appliances, decor: the things you could take with you| Item number | Item | Qty | Suggested asset class | Value |
|---|---|---|---|---|
| 1 | Sofa, 3-seat fabric | 1 | 7-Year MACRS | $1,450 |
| 2 | Accent chair | 2 | 7-Year MACRS | $840 |
| 3 | Coffee table, round | 1 | 7-Year MACRS | $320 |
| 4 | Area rug | 1 | 7-Year MACRS | $480 |
| 5 | Table lamp | 1 | 7-Year MACRS | $110 |
| 6 | Side tableNeeds review: Partly hidden behind the sofa | 1 | 7-Year MACRS | $140 |
| 7 | Cushion, decorative | 5 | 7-Year MACRS | $190 |
| 8 | Wall art, framed and mountedNeeds review: Grouped: four pieces across two walls | 4 | 7-Year MACRS | $260 |
Personal property subtotal$3,790
The building (building components)
Fixtures and structure: never assumed to be personal property| Item number | Item | Qty | Suggested asset class | Value |
|---|---|---|---|---|
| 9 | Window & blind | 1 | Confirm with CPA / engineer | $740 |
| 10 | Interior door & frame | 1 | Confirm with CPA / engineer | $580 |
| 11 | Crown moulding | 1 | Confirm with CPA / engineer | $420 |
| 12 | Flooring, hardwoodNeeds review: Mostly covered by the rug | 1 | Confirm with CPA / engineer | $3,100 |
Building components subtotal$4,840
The two figures are reported, never blended together. A cost segregation engineer needs the personal property on its own; an adjuster pricing a contents claim has no use for the building components at all.
Personal property $3,790Building components $4,840
An example. Figures are illustrative. See “What this is not” below.