Many people feel secure in the belief that their valuable possessions will be replaced in case of fire, theft, or other casualties. But insurance companies can repay you only for the items you can document after the loss. It could be very hard to remember and prove what possessions you had in a house that has been completely destroyed by fire or broken into by thieves. Even though you're covered by insurance, you stand to lose money unless you can produce an inventory to substantiate your claim. A photo inventory is more valuable than a written inventory because some things, such as antiques and jewelry, can increase in value.
Pictures give a graphic description surpassing any written description.
You are in a better position to help your insurance company determine the current value of lost or damaged items if you have pictures of them.