When my house burned to the ground in 94, one of the few things that survived were a box full of photos we'd taken of the house interior and exterior. The house was built in 1920 and we were rennovating it, and wanted a bunch of before and after shots. Having photos to look at while you're filling out your claim sure was handy at identifying everything that was unidentifiable after the fire. The insurance never questioned why we had such a good photo record, but I wasn't too worried about what they might think.
If you are worried that the insurance adjuster would be suspicous, then my recommendation is to tape video of some mundane but pertinent events in your home every so often, thus cataloging indirectly all contents. Things like birthdays, Christmas, there are plenty of opportunities for this. No video, then photos are just about as good.
It is a little difficult to visualize what was where after a big fire. A visual reference certainly helps a lot.
Of course, you would keep the video and/or photos somewhere protected. We were lucky.
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The ultimate result of shielding men from the effects of folly is to fill the world with fools.
-- Herbert Spencer, English Philosopher (1820-1903)