Home contents, honestly counted
Most people find out they were under-insured on the worst day of their life.
Listalot photographs what you own, works out what it would cost to replace new, and holds that against the sum insured and the sub-limits on your actual policy. Then it tells you the gap, and exactly where it is.
Contents cover
You look about A$29,142 short
A$99,142 of contents against A$70,000 insured, which is 42% over.
Based on 8 of 9 rooms, with 2 of 48 items still to be valued properly. The real figure is more likely to be above this than below it.
“Around four in five Australian households are under-insured for their contents.”
Three evenings, not three weekends
- 1
Photograph the big things
The sofa, the television, the fridge. The app works out what each one is and what it would cost to replace new — you correct anything it gets wrong, and nothing is saved until you do.
- 2
Add your policy
The sum insured off your schedule, and the sub-limits underneath it. Ten minutes with the PDF, or point the camera at it and check what it read.
- 3
Find out where you stand
One number, with the reasons beside it: the gap, which classes are over their limits, and which items your insurer would want listed individually.
Built to be right rather than reassuring
The sub-limits are where it actually goes wrong
A household can be perfectly covered on the headline number and still be paid A$1,000 for a A$9,000 ring, because of a special limit nobody read. That is the first thing this looks for.
A car in the garage is not contents
Neither is the fitted carpet, and if you rent, the built-in oven is not yours to insure. Everything is sorted by what your policy would actually pay for, so the total is one you could defend to an assessor.
It tells you how much to trust it
Eight of nine rooms done, two items never valued — said next to the figure, not buried. A number that looks more certain than it is would be worse than no number.
You can take it all with you
Every record as JSON and every photo at full size, in one file, whenever you like. No reason asked. An inventory you cannot get out of the app is not really yours.
Free until it is not enough
Two hundred items and twenty-five AI captures a month, for nothing, for as long as you like. Family is A$9 a month when you want more room or more people; Plus is A$19. Cancel and you keep every record you entered.