This is a topic we discussed (actually the whole house) this past summer when our detached garage/shop got wiped out from a mini-twister (house relatively untouched!) The agent said that with something like we experienced, or a fire, they would probably just use the total loss replacement and that doesn't require us to list each individual item. But we did agree that we'd do a photo "inventory" of the entire house (this took some time!) and put it on a thumb drive--one went to our agent and one to the safety deposit box.