After a total loss you have to list what you owned, from memory, in the worst week of your life, with none of the objects available to prompt you. People routinely under-claim for exactly that reason.
This builds the list in advance and exports it as a file you can keep somewhere safe.
Nothing is uploaded. The inventory is stored in your own browser and never sent anywhere. That also means it lives only on this device — so when you are done, export it and store the file outside your home. Cloud storage, or email it to yourself. An inventory that burns with the house is not an inventory.
The categories people forget
Consistently the same ones, and collectively they are a large share of a contents claim: the garage and shed, tools, holiday decorations, sports and outdoor equipment, small kitchen appliances, the entire contents of a wardrobe, children's toys, and anything in a loft or basement.
Open every cupboard and drawer. That is where the forgotten value lives.
Use replacement value, not what you paid
The figure that matters is what it would cost to buy the item again today, not what it was worth second-hand and not what you paid five years ago. Under-estimating here is the commonest reason people discover their contents limit was too low.
Photographs still matter
This list is a written record. It works best alongside a video walkthrough of each room with the cupboards open, plus photographs of receipts and appraisals for anything significant. Store all of it in the same place, outside the house.
This is general education, not advice. Insurance law and claim rules vary by state and change over time. Nothing here is legal, financial, or insurance advice for your situation, and reading it does not create any professional relationship. For your specific case, consult a licensed professional in your state or contact your state Department of Insurance.