Your Home Record: Organized for the Moments That Matter
Documents, inventory, and a live coverage check, all in one place. Set up in 10 minutes. Built to pay you back when a claim, sale, or refinance comes up.
Provided to homeowners through partnered insurance agents. Are you an agent?
What is a Home Record?
A home record is an organized collection of everything that matters about your property. Closing documents, insurance policy, warranties, an inventory of what you own, photos, and over time, a maintenance history.
Think of it as a working archive: not a static folder, but something you actually use when a claim is filed, when you list the home for sale, or when a refinance lender asks for system ages and maintenance records.
MyHomePlatform's Home Record ships in v1 with the Document Vault, Home Inventory, and a live insurance coverage check. Maintenance tracking and additional features are on the roadmap.
How to Build Your Home Record
- 1Gather the ownership documents. Deed, title insurance, settlement statement, and mortgage papers from closing — these anchor the record and rarely change.
- 2Add insurance and warranties. Your current homeowners policy, plus warranties and manuals for the roof, HVAC, water heater, and major appliances. Store them in the Document Vault.
- 3Photograph a room-by-room inventory. Walk the house with your phone, capture each room, and note serial numbers on electronics and appliances. The home inventory system turns this into an insurance-ready list with replacement values.
- 4Record improvements and repairs as they happen. Contractor invoices, permits, and before/after photos. These receipts raise your cost basis at sale time and answer buyer questions instantly.
- 5Check your coverage against what you own. With inventory and documents in place, the live coverage check compares your policy limits to your documented home — and flags gaps before a loss reveals them.
Why Every Homeowner Needs a Complete Home Record
A claim that pays the full amount
Insurance claims are settled on what you can prove you owned and at what condition. A documented inventory with photos and replacement costs is the difference between a full payout and a short-paid one.
A faster, smoother sale
When you list, a record of maintenance, upgrades, and warranties answers buyer and inspector questions immediately. Documented homes face fewer renegotiations.
Coverage you can trust is right
Roughly 60% of US homes are underinsured. The live coverage check compares what you own to your policy limits and flags any gap before a loss reveals it.
One place, not five drawers
Closing documents, insurance policy, warranties, receipts. Tagged, searchable, accessible from any device. The thing you've been meaning to organize since you closed.
What's in Your Home Record
In v1 today, plus what's on the roadmap.
Available now
- Home profile (address, year, square footage)
- Document Vault (closing docs, policies, warranties, receipts)
- Home Inventory with photos and replacement costs
- Live insurance coverage gap check
On the roadmap
- ○Scheduled maintenance log + reminders
- ○Service provider directory
- ○Exportable PDF reports (claims, sale, refinance)
- ○Transfer your record to the next owner
Platform Features
Digital Home Record
Complete home record system
Home Inventory
Track all possessions in your home record
Maintenance Calendar
Maintenance history in your home record
Document Vault
Store all documents in your home record
Renovation Tracker
Track improvements in your home record
Export Feature
Export your complete home record
Related Solutions
Related Guides & Resources
Helpful Tools
Home Record FAQs
What is a home record?
A home record is an organized collection of everything that matters about your property: closing documents, insurance policy, warranties, receipts, a photo inventory of what you own, and a running history of maintenance and improvements. It is the file you reach for when you file a claim, sell the home, or refinance.
What documents should be in a home record?
Start with the closing package (deed, title insurance, settlement statement), your homeowners insurance policy, warranties and manuals for major systems and appliances, contractor receipts and permits for any improvements, and photos of every room. Add maintenance records as you go.
How do I find the sale history and records of my home?
Public records of past sales, deeds, and permits are held by your county recorder or assessor's office, and most counties offer free online search. Your own closing documents cover your purchase. A home record keeps your copies organized so you never have to rely on public archives for your own history.
Is a digital home record better than a paper file?
Yes, for three reasons: a digital record survives the same disasters that trigger insurance claims (fire, flood), it is searchable when you need one document fast, and it is easy to share with an insurance adjuster, buyer, or lender without handing over originals.
How long should I keep home records?
Keep ownership documents (deed, title, closing package) and records of capital improvements for as long as you own the home plus at least seven years after selling, since improvement receipts adjust your cost basis for capital gains tax. Keep insurance policies and warranties while they are active.
Start Building Your Home Record Today
Create your comprehensive Digital Home Record and unlock the full value of organized home management.