Us vs the others
NAIC Home Inventory is a free app from the National Association of Insurance Commissioners for recording your belongings for insurance; Cratify is for keeping track of your possessions, collections and household every day, from where each one is kept to whose it is.
Free forever plan · iOS, Android & web · No credit card
The short version
Both apps keep a photo record of what you own. These are the three places they part ways.
Snap a photo and Cratify's AI suggests a name, category, description and tags. NAIC's app is built around capturing pictures and scanning barcodes.
Cratify files each possession in a container, a room and a place, and containers can sit inside containers. NAIC's app groups belongings by room and category.
Share a place, a room or a container with the people you live with, and note whose each possession is. NAIC's app keeps your record for you to export whenever you need it.
Side by side
Each NAIC answer comes from NAIC's own App Store and Google Play listings, read in October 2026.
| What to check | Cratify | NAIC Home Inventory |
|---|---|---|
| What it's made forKnowing what an app was built for tells you where it shines. | Keeping track of your possessions, collections and household every day: where each one is kept and whose it is. |
A record of your belongings for your insurer, plus disaster preparedness tips and help with filing a claim. |
| Adding possessionsA whole home is hundreds of possessions. Entry speed decides whether you finish. | Snap a photo and AI names it, with a suggested category, description and tags. 50 AI scans a month free, unlimited with Lifetime. |
Capture pictures of your belongings and scan barcodes for information about them. |
| How it's organizedReal homes nest: a container on a shelf, in a closet, in a room. | Containers inside containers, in rooms and places. Open any container to see everything inside it, all the way down, with totals. |
Belongings grouped by room and by category. |
| Help with insuranceWhat you'll want on hand if you ever file a claim. | Save receipts and documents alongside your possessions, and see totals in the currency you pick. |
Disaster preparedness tips for homeowners and renters, and the steps and resources for filing a claim. |
| Your dataWhere your record lives and how you get it out. | Private by default and visible only to the people you share with. Export or delete your data at any time. |
Export your inventory at any time. Both store listings say the app collects no data. |
| DevicesWhere you can add and look up your possessions. | iPhone, Android and the web, all in sync. |
App Store (iPhone, iPad and Macs with Apple silicon) and Google Play. |
| What it costsCheck the free limits, and whether you'll ever pay again. | Free for up to 250 possessions. Lifetime is $49.99 once, a launch price rising to $99 on Dec 1, 2026. It never renews. |
Free, with no in-app purchases on either store listing (as of October 2026). |
Only rows we could confirm for both apps are shown. NAIC's current details are on its App Store and Google Play listings.
Who should pick which
NAIC Home Inventory is a free public resource from the organization of state insurance regulators, and for a lot of people it's exactly the right tool.
You can also use both: NAIC's guidance for insurance and claims, and Cratify to know what they own day to day.
Adding possessions · Multi-Scan
An inventory only helps if you finish it. Point your camera at a shelf, a closet or a garage wall. Multi-Scan finds each possession in the photo, names it and files it in that container, and you can fix any name it got wrong.
Multi-Scan comes with Lifetime. One possession at a time works on every plan: 50 AI scans a month on Basic, unlimited with Lifetime.
Building an insurance record? Save receipts and documents alongside your possessions, and export your data at any time.
Pricing
Your home isn't something you rent month to month, and knowing what's in it shouldn't come with a monthly bill.
Launch price
New accounts can try Lifetime free for 3 days first, with no card and no automatic charge.
FAQ
Yes. NAIC Home Inventory is free on the App Store and Google Play, and neither listing shows in-app purchases (as of October 2026). It's published by the National Association of Insurance Commissioners (NAIC).
Yes. The Basic tier gives you 250 possessions, 50 containers, 2 locations, 5 rooms and 50 AI scans per month, free, with no credit card. When you need more, Lifetime unlocks everything for one payment of $49.99 (launch price, rising to $99 on Dec 1, 2026). New accounts can try Lifetime free for 3 days first, with no card and no automatic charge.
Yes. Photograph each possession, file it by place, room and container, and save receipts and documents alongside it, with totals in the currency you pick. You can export your data at any time. NAIC Home Inventory also offers disaster preparedness tips and guidance on filing a claim.
NAIC Home Inventory is made for one job: a record of your belongings for your insurer, grouped by room and category, with tips for disasters and claims. Cratify is built around possessions, collections and households: AI names possessions from a photo, containers sit inside containers in rooms and places, and your household can share the inventory and note whose each possession is.
Cratify runs on iPhone, Android and the web, all in sync. NAIC Home Inventory is on the App Store and Google Play, and the App Store version runs on iPhone, iPad and Macs with Apple silicon.
Yes. Share a location, a room or a single container with the people you live with, as editor or view-only. Sharing is included on every plan, including Basic. You can also record who each possession belongs to, even someone who doesn't use Cratify, like a young child.
More comparisons
What to check in any home inventory app, and side-by-side pages for the apps and methods people weigh against Cratify.
Free forever plan. 250 possessions, 50 containers, 50 AI scans a month. No credit card required.
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