Guided video record of home contents that insurers accept when a claim comes
TL;DR Stuffproof walks a household through a 30-minute phone video of every room, tags the items, attaches bills and serial numbers and keeps the record safely off the phone. Home insurers and brokers hand it out free with a policy, because a clean record makes claims faster and cheaper to settle.
When a flood or fire hits, you have to prove what you owned, and the bills are usually underwater too. After the 2015 Chennai floods, insurers had about 50,000 damage claims worth roughly ₹4,800 Cr by late January 2016, and at least 57,000 city homes had structural damage[1].
Every contents claim needs proof of ownership and value. India's standard home policy, Bharat Griha Raksha, covers contents at 20% of the building sum insured up to ₹10 lakh by default, and jewellery and art only against a valuation certificate[2]. How many families keep an up-to-date list? Very few, so surveyors and policyholders end up arguing item by item.
What it does, in regulatory terms: documentation only. Stuffproof does not sell, recommend or price insurance and is not an insurance intermediary. Policies stay with insurers or registered brokers.
The app takes you room by room - open each cupboard, film the TV's serial number, photograph the fridge's model plate. Image recognition suggests item names and categories and you confirm them. Bills from email or photos attach to items. The app shows a replacement-cost range for each category from current retail listings, clearly marked as an estimate. The record sits in the cloud, time-stamped, and you can share it with an insurer or surveyor through one link when you file a claim.
The seed promised AI-powered automated valuation, and I've reframed that. Used household goods have no reliable market price, and insurers settle on bills, replacement cost and surveyor judgement. So Stuffproof produces evidence, not a valuation, and the surveyor decides.
The policyholder uses it but the insurer or broker pays, offering it free with home policies. My estimate is ₹150–400 per policy per year, paid as a platform fee. A direct price for families buying contents-only cover is the second option, at ₹999–1,999 a year (again my estimate). Renters with contents-only cover could be a natural early group, though you'll want to check each insurer's terms first.
Since April 2021, general insurers have offered the same standard Bharat Griha Raksha home policy[2], so contents cover is standard and comparable for the first time. The policy also stopped cutting claims for under-insured contents in proportion and pays the full sum insured instead[3]. That makes it worth declaring your contents honestly.
There is no public figure for home-inventory demand or for the number of home policies with contents cover in India. The firmest anchor is claims, since one urban flood in 2015 produced about 50,000 of them[1]. Adjacent - in North America, one software firm sells contents documentation to over 3,000 restoration firms[4]. Treat that as a sign the workflow is valued, not as an Indian market size.
I found no Indian product focused on household contents records for insurance. That firm builds contents inventories and loss schedules for restoration firms after damage[4], which is the after-loss version of this idea. One inventory app sells software mainly to small businesses and links to a home use[5]. An existing directory idea sends appliance bills to buyers by chat app, and that could become a data source. The gap is a pre-loss record that Indian insurers accept.
| Difficulty | Moderate (37/100) |
| Starting capital | ₹50–90 L |
| Time to launch | 6–9 months |
The app is buildable with off-the-shelf image recognition. The hard part is selling to insurers, who move slowly and will want proof that records cut claim time before they pay for anything. Getting families to finish the full walk-through and not just the living room is the second headache.
A documentation app needs no licence, as long as it never sells insurance.
Building this outside India? The categories above usually have a local equivalent, so check with your own regulator.
Don't let AI value goods or decide a claim. The surveyor and the insurer settle claims, and Stuffproof only provides evidence.
Want to work out the AI layer for Stuffproof? Talk to Yash →
This suits a founder who has worked inside a general insurer or a broker and can get pilots signed. It is a poor fit as a pure consumer app, because families rarely pay for insurance paperwork before a loss (nobody thinks about the fridge's serial number until it's floating). Prove two things first - that one insurer will run a pilot and that half your users finish the whole home.
Plan for about ₹50–90 L, mostly for the app, image recognition and insurer pilots.
Not if you only make records. Selling, soliciting or getting paid for insurance leads needs IRDAI registration, so get a legal opinion first.
Yes. Contents-documentation software already serves insurers abroad. Check local insurance intermediary and data protection rules before you launch.
The free Stuffproof validation kit has the line-by-line capital breakdown, the effort scoring, the insurance and data-protection checklist, a 14-day validation sprint with pass/fail targets, a 90-day launch plan, 10 interview questions for households and insurers, and 5 assumptions to test. Download the kit →
Thinking about building Stuffproof or something close to it? The make-or-break work is signing an insurer who will test whether a pre-loss record really shortens claims, and that's the kind of thing I help founders with. If you need a hand, you know where to find me. Talk to Yash →
For illustration only. Names are fictional and ideas hypothetical; sourced facts are real but may be out of date. Nothing here is legal, financial or professional advice, and Yash Khatri is not personally liable for any use of it. Read the full disclaimer.