Hometric — Know what you own.
Understand your coverage.
0%
of homeowners who lost homes in Colorado's Marshall Fire were underinsured — and most didn't know until it happened.
Source: Univ. of Colorado Boulder, Leeds School of Business (2025)
How Hometric works
See everything you own — and whether you're covered.
01/05Capture
Start with what you already own.
No forms. Open the app, photograph your rooms and belongings, and Hometric builds your home inventory from the inside out.
02/05Identify
Let AI do the cataloging.
Photograph a room and Hometric recognizes what matters — electronics, furniture, jewelry, art — and suggests an AI-estimated value range for each item.
03/05Organize
Keep it all in order.
Sort items by home and room, flag your high-value pieces, and attach receipts and serial numbers so your records are ready when you need them.
04/05Check
See whether you're covered.
Enter your coverage amount yourself, and Coverage Health compares it against your inventory's total value — a quick sense of whether you may be underinsured.
05/05Export
Walk away with a real record.
Export a documented PDF — photos, items, and values in one report you can share with your own insurer. Add new purchases anytime and re-run your check.
What changes for you
Three things you'll have that you don't have today.
- 01
A documented inventory of everything you own.
Listing everything you'd lose in a fire is genuinely hard. Hometric does it with you — photograph each room and its AI catalogs your items with suggested details and an AI-estimated replacement-cost range. Estimates are approximate — not appraisals, and not guaranteed.
- 02
Coverage you can actually understand.
Enter your policy details and Hometric explains the terms in plain language — ACV vs. RCV, the categories that commonly exceed standard sub-limits like jewelry and firearms, and perils that standard policies often exclude, like flood and earthquake. General education based on what you enter — Hometric never reads your policy.
- 03
A clear read on whether you're covered.
Coverage Health compares your inventory's total value against the coverage amount you enter yourself — so you get a sense of whether you may be underinsured. Then export a documented report to share with your own insurer.
Why this matters
The gap is bigger than most people think. And it shows up when it hurts most.
were severely underinsured — covered for under 75% of rebuild cost
Works with any carrier. Not affiliated with or endorsed by any insurer.
Answers, in plain language.
What is Hometric?
Hometric is an AI-powered home-inventory app for iPhone, made by Baran Labs in Miami Beach. You photograph your rooms; Hometric identifies your belongings, estimates replacement values, organizes everything by room, and exports an insurance-ready PDF report. It's a free download on the App Store in the US and Canada.
What is a home inventory, and why do I need one for insurance?
A home inventory is a documented record of everything you own — photos, descriptions, values, serial numbers, receipts. After a theft, fire, or storm, your insurer pays for what you can prove you owned, and roughly two-thirds of U.S. homes may be underinsured. An inventory is how you find gaps before a claim, not during one.
How do I document my belongings for an insurance claim?
Photograph each room wide, then capture individual items with brands, serial numbers, and receipts. Keep an itemized list with replacement values, and store copies somewhere outside your home, like cloud storage. Hometric automates the itemizing and value estimates from your photos and exports the documentation as a PDF.
What does “underinsured” mean for home contents?
Underinsured means your personal property coverage limit is lower than what replacing your belongings would actually cost. Contents coverage is often set by default at 50-70% of dwelling coverage, regardless of what you own — so the only way to know your real number is to add up your actual belongings.
What's the difference between actual cash value and replacement cost?
Actual cash value pays what your items were worth used — original price minus depreciation. Replacement cost pays what buying them new costs today. The same claim can settle for very different amounts depending on which one your policy pays, so it's worth checking your declarations page or asking your insurer.
Is Hometric free?
Hometric is a free download, and every new account starts with a 1-month free trial of Hometric Pro. After the trial, Pro is $19.99/year or $2.99/month — cancel anytime. If you don't subscribe, your existing inventory stays viewable in the app in read-only mode.
Does Hometric work in Canada?
Yes. Hometric is available on the App Store in both the United States and Canada, and it's designed for US and Canadian households. Those are the only two regions right now — availability elsewhere isn't supported yet.
Know what you own. Understand your coverage.
Understand your coverage in plain language.
Now available
Be among the first to try Hometric.
1-month free trial, then $19.99/year or $2.99/month — cancel anytime.
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