Decks & Patios Inventory Guide for Homeowners
Decks and patios are essential extensions of the home, offering spaces for relaxation, entertainment, and outdoor enjoyment. These areas are often filled with a mix of furniture, Décor, and entertainment items that create a welcoming atmosphere. During an insurance Claim or construction project, documenting the contents of your deck or patio is crucial to ensure all belongings are properly accounted for.
This guide will help you inventory their decks and patios, covering outdoor furniture, fun activities, and various patio items (we will cover pool related items and playgrounds elsewhere), so let’s get rolling.
Types of Decks & Patios
Traditional Deck: An elevated structure, usually attached to the house, often made of wood or composite materials. Decks are great for entertaining and typically include outdoor seating, dining areas, and space for a grill. It’s also worth noting that the materials for the deck itself are discussed in our book entitled Construction and usually covered by your Primary Dwellings coverage in your insurance Policy. The items found on the deck itself (which is what we are covering here) are part of your Personal Property coverage.
Patio: A ground-level outdoor area, usually paved with Concrete, brick, or stone. Patios are versatile spaces that can be customized with furniture, plants, and decorative elements to create a relaxing environment. Similar to decks, it’s worth noting that the materials for the deck itself are discussed in our book entitled Construction, however unlike decks, the patio is usually covered by your Secondary Structures coverage in your insurance policy. In both cases the items are part of your Personal Property coverage.
Screened-In Porch: An enclosed outdoor space, often connected to the home, providing protection from insects and weather while allowing fresh air and natural light. Screened-in porches often include comfortable seating, fans, and lighting. Coverage wise, this area would mimic “decks” since it is permanently attached to your home.
Pergola or Gazebo: A partially covered structure that provides shade and architectural interest to a deck or patio. Pergolas and gazebos are often used for outdoor dining or lounging areas, enhancing the usability of outdoor spaces. Similar to “patios”, the pergola or gazebo itself would be covered under your Secondary Structures bucket, though the items discussed below are still Personal Property.
Outdoor Furniture
Adirondack chairs
Bar cart
Bistro table
Chaise lounge
Coffee table
Deck box
Dining chairs
Dining table
Folding chairs
Hammock
Hammock stand
Hanging egg chair
Lounge chairs
Outdoor bench
Outdoor daybed
Outdoor ottoman
Outdoor rocking chair
Outdoor rug
Outdoor sectional
Outdoor sofa
Patio cushions
Patio umbrella
Picnic table
Porch swing
Reclining chairs
Rattan furniture set
Side tables
Stacking chairs
Sun lounger
Teak chairs
Wicker loveseat
Outdoor Fun
Bean bag toss game
Bocce ball set
Bubble machine
Croquet set
Fire Pit
Firewood storage rack
Frisbee
Giant Jenga
Horseshoe set
Inflatable pool
Lawn darts
Lawn games
Mini trampoline
Outdoor basketball hoop
Outdoor chess set
Outdoor movie screen
Outdoor play tent
Ping pong table
Pop-up canopy
Slip and slide
Snow cone machine
Splash pad
Swing set
Tetherball set
Trampoline
Volleyball net
Water blaster
Water table
Water slide
Windsock
Yard dice
Yard dominoes
Yoga mat
Zipline kit
Zorb ball
Outdoor Heating
Chiminea
Electric Patio Heater
Fire bowl
Fire pit
Fire table
Gas patio heater
Infrared patio heater
Patio heater cover
Portable fire pit
Propane fire column
Propane fire pit
Smokeless fire pit
Tabletop heater
Wall-mounted patio heater
Wood-burning fire pit
Pellet fire pit
Natural gas patio heater
Outdoor heat lamp
Wood Stove
Pots & Planters
Ceramic planters
Deck railing planters
Flower boxes
Hanging baskets
Large outdoor pots
Metal planters
Planter stands
Plastic planters
Raised garden beds
Self-watering planters
Stone planters
Terracotta pots
Vertical garden planters
Wall-mounted planters
Window boxes
Wooden barrel planters
More Patio Items & Misc
BBQ grill
Bird bath
Bird feeder
Bug zapper
Candle lanterns
Citronella candles
Decorative lanterns
Deck lighting
Fire pit screen
Garden gnome
Garden hose reel
Garden lights
Garden statues
Gazebo curtains
LED string lights
Outdoor ashtray
Outdoor cushions
Outdoor rug
Outdoor speakers
Patio umbrella base
Porch curtains
Privacy screen
Rocking bench
Solar lights
Sun shade sail
Tiki torches
Wind chimes
Wind spinners
Wooden barrel
Wrap-Up
This inventory guide helps homeowners keep track of the various items on their decks and patios, providing a thorough record that is invaluable during insurance claims or renovation projects. In conjunction with the products and services provided by Loti, a detailed inventory ensures that all valuable and cherished outdoor items are accounted for, enhancing peace of mind and organization.