already have homeowner's insurance, here's some advice: take inventory
of your home.
There are two reasons to take inventory of your home for your
homeowner's insurance policy. The first reason is many homeowner's
insurance companies will ask for an inventory of your home before they
offer you a policy. The second reason is having an inventory of your
home will make it easier for you to prove what was stolen or damaged,
therefore making the process of filing a claim and being reimbursed
much quicker.
However, taking inventory of your home goes beyond just jotting down a
list of expensive items and tucking it away in a drawer somewhere.
Keep reading for advice on how to properly take inventory of your home
for your homeowner's insurance.
Make a detailed list of everything you own. Don't panic – you can
exclude things such as that shabby rug in the guest room that you only
keep around to hide Fido's first accident before he was house-broken,
but do make sure to include everything of value – art, jewelry,
expensive china and silverware, electronics – everything. Take
pictures of the items, dig up receipts if you have them, and even
consider taking a video of these items, as well. For electronics, you
should also note the make, model, serial number, etc.
Regardless of how you choose to document these items, don't keep the
documentation in your home – that defeats the purpose should your
house burn down. Keep the documentation in the bank, at your parents',
in a big safe you've buried in a secret location in a far off country
– where ever. Just not in your home.
Finally, take your list, and other documentation if you like, to your
homeowner's insurance agent to find out if everything you own is
covered under your policy. You may need to purchase additional
insurance if it's not.
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