Indemnia vs HomeZada: which one fits what you need?
HomeZada and Indemnia both keep a list of what you own. They are built for different jobs. HomeZada helps you run your home: maintenance, projects, budgets and an inventory. Indemnia does one thing: it gets your belongings documented well enough that an insurance claim pays what it should.
Price
Indemnia
Free, or $249/year or $29/month
HomeZada
Free, Premium $99/year, Deluxe $189/year
Photo recognition
Indemnia
Yes, on every plan
HomeZada
Premium and Deluxe
Receipts from your email
Indemnia
Yes, going back years, and we only read
HomeZada
No
Replacement cost, depreciation and actual cash value per item
Indemnia
Yes
HomeZada
No
Loss report for your insurer
Indemnia
Yes, PDF and a spreadsheet XactContents can load
HomeZada
PDF report
Checks your insurer's depreciation
Indemnia
Yes
HomeZada
No
Home maintenance and projects
Indemnia
No
HomeZada
Yes
Prices checked October 2026.
Choose HomeZada if you want one place to manage your house and you're willing to keep the inventory up to date by hand. It costs less.
Choose Indemnia if you want the inventory to build itself from your email and photos, and you want it to stand up in a claim. If you've already had a loss, Indemnia is the one built for what comes next.
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