The Michigan Department of Insurance and Financial Services (DIFS) is encouraging residents to take stock of their personal property and review their insurance coverage as part of spring cleaning, according to an April 9 announcement.
This initiative aims to help Michiganders reduce stress in the event they need to file an insurance claim by ensuring their belongings are properly documented and insured. Reviewing policies can also help residents confirm that they have adequate protection for both everyday items and seasonal possessions.
“Taking the time to complete a comprehensive inventory of your belongings now can help reduce stress if you ever need to file an insurance claim,” said DIFS Director Anita Fox. “While you are updating your personal inventory, it is also important to review your insurance policies with your agent or insurance company to ensure that your personal property at your home, apartment, rental home, or dorm room are properly covered.”
DIFS recommends creating a detailed record of high-value items such as electronics and appliances. The department highlights tools like the NAIC Home Inventory app for making inventories easier by allowing users to scan barcodes, upload images, group items by room or category, and export records for claims purposes. Keeping receipts for expensive purchases is also advised.
Residents are urged to consult with licensed agents about coverage limits for homeowners or renters policies—especially regarding flood damage or water backups, which often require separate policies. DIFS also reminds people with boats, motorcycles, or other recreational vehicles used seasonally to check if those assets are sufficiently protected against damage or theft.
To prepare for emergencies, DIFS suggests storing copies of all policy documents in secure locations such as safe deposit boxes or cloud storage. The department further advises having a financial plan in place—such as an emergency fund—to cover deductibles after losses occur.
The department offers a free online locator tool on its website for those seeking licensed agents nearby. For more information about consumer protection services and educational resources provided by DIFS, visit Michigan.gov/DIFS.
