10-02-2026, 01:49 AM
災損前整理家居財物：用官方清單記錄物品與憑證
發生火災、失竊或其他損失後，逐件回想家中財物可能很困難。加州保險局的家居財物清單指南提供按房間整理的表格；主要網頁亦有英文完整版本，以及包括中文在內的一頁摘要。
可先由一個房間開始，記下物品名稱、購買資料，以及適用時的型號和序號，配合收據、相片或影片。不要只拍房間全景而漏掉衣櫃、儲物櫃、車庫等位置。拍攝時標明日期，並把相關憑證與物品對應，日後較容易查找。
完成後，把清單及證明文件的副本保存在住所以外的安全地方。購入重要物品或家中財物變動後，再更新紀錄，並向保險公司或代理確認保障是否合適。清單是整理及溝通工具，並非保單，也不能代替個別理賠所需的證明或保障條款。
查閱日期：2026-10-01。入口頁未標示原刊日期；連結完整指南標示修訂日期為 2019-03-14，並非本指南新消息。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/Home-Inventory.cfm
English
Before a loss: building a household inventory with California's official guide
After a fire, theft or other loss, remembering everything in a home can be difficult. California's Department of Insurance provides a room-based inventory workbook. Its landing page also offers shorter guides, including a Chinese-language version.
Begin with one room. Record possessions and purchase information, adding model or serial numbers where relevant. Match receipts, photographs or video to the items they document. Remember storage areas, closets and the garage instead of relying only on wide room photographs. Include the recording date so the evidence is easier to organize later.
Keep a duplicate inventory and supporting records in a secure place away from home. Update the record when important belongings change, and ask your insurer or agent whether coverage remains suitable. An inventory helps organize information; it is not an insurance policy or a guarantee that a claim is covered.
Checked October 1, 2026. The landing page is undated; its linked full workbook shows a March 14, 2019 revision. Official resource: https://www.insurance.ca.gov/01-consumer...entory.cfm
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 文件整理主題照片，並非申訴個案或受損財物實景 / Context photograph of paperwork, not a complaint case or damaged belongings. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
發生火災、失竊或其他損失後，逐件回想家中財物可能很困難。加州保險局的家居財物清單指南提供按房間整理的表格；主要網頁亦有英文完整版本，以及包括中文在內的一頁摘要。
可先由一個房間開始，記下物品名稱、購買資料，以及適用時的型號和序號，配合收據、相片或影片。不要只拍房間全景而漏掉衣櫃、儲物櫃、車庫等位置。拍攝時標明日期，並把相關憑證與物品對應，日後較容易查找。
完成後，把清單及證明文件的副本保存在住所以外的安全地方。購入重要物品或家中財物變動後，再更新紀錄，並向保險公司或代理確認保障是否合適。清單是整理及溝通工具，並非保單，也不能代替個別理賠所需的證明或保障條款。
查閱日期：2026-10-01。入口頁未標示原刊日期；連結完整指南標示修訂日期為 2019-03-14，並非本指南新消息。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/Home-Inventory.cfm
English
Before a loss: building a household inventory with California's official guide
After a fire, theft or other loss, remembering everything in a home can be difficult. California's Department of Insurance provides a room-based inventory workbook. Its landing page also offers shorter guides, including a Chinese-language version.
Begin with one room. Record possessions and purchase information, adding model or serial numbers where relevant. Match receipts, photographs or video to the items they document. Remember storage areas, closets and the garage instead of relying only on wide room photographs. Include the recording date so the evidence is easier to organize later.
Keep a duplicate inventory and supporting records in a secure place away from home. Update the record when important belongings change, and ask your insurer or agent whether coverage remains suitable. An inventory helps organize information; it is not an insurance policy or a guarantee that a claim is covered.
Checked October 1, 2026. The landing page is undated; its linked full workbook shows a March 14, 2019 revision. Official resource: https://www.insurance.ca.gov/01-consumer...entory.cfm
Alena Darmel / Pexels · 文件整理主題照片，並非申訴個案或受損財物實景 / Context photograph of paperwork, not a complaint case or damaged belongings. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.