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Home Insurance InventoryIt feels like we are almost to summer! But as the weather is warming up and the flowers are blooming, everyone seems to working on those outdoor projects and spring cleaning. These projects on the outside and the inside of the house make you feel better and are a great opportunity to make or update you home inventory list. These lists are a great asset to have to track your belongings and figure the value of your home and your possessions. Most importantly, if there were to be an emergency that your possessions were damaged or stolen, having a home inventory list will help alleviate some of the stress of filing an insurance claim and determining what is missing.

Here are some simple home inventory basics:

o   Where to keep your inventory list: Home inventory lists can be kept on computers or on an online database. If you have chosen your computer to keep your list, it's best to keep an additional copy in a waterproof/fireproof safe or at a location away from your home, such as an office or friend's house.  The Insurance Information Institute offers a Great FREE Inventory List .  

o   Organize inventory based on rooms: Keep lists for all groups of rooms, such as: kitchen, bedrooms, living rooms, bathrooms. By keeping them organized in that way, it will keep the lists easier to reconcile and update if items are sold or added. 

o   Photos: The easiest and often the most useful tool is to take clear concise pictures of each room. Be sure you take the photos from various angles capturing the valuable items in the room. If needed, open cabinets and closets!

o   Include appraisals, receipts and values for any large items: Appraisals, receipts and valuations kept on larger items are especially important if the item is listed on an endorsement on your insurance policy.  Large items such as jewelry or valuable collections may require additional coverage on your homeowners policy and many companies will require an appraisal and photos be included with the policy information.
Posted 11:12 AM

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