While home insurance is imperative to protect the structure of your home should a disaster occur, it is also essential to help protect the belongings inside of your home. We all collect a significant amount of furniture, appliances, and electronics that we use on a daily basis. In addition, many homeowners may have collections of jewelry, artwork, clothing, or other heirlooms that have high worth. Overall, the value of our possessions is often substantial and would be difficult to replace in the event of a fire or flood.
While you may believe that you are familiar with all of your belongings – after all, you live in your home and see them every day – it is easy to forget something important, especially in a stressful situation. For this reason, it is always a wise idea to have a comprehensive inventory of your home. Home inventories can be useful for other reasons beyond simply remembering your belongings. For example, seeing the value of your possessions on paper can help guide you regarding how much home coverage you need and can also help to resolve claims faster should a problem occur.
While the idea of inventorying all of your belongings may seem daunting, just remember the following to simplify the process:
- Pay close attention to particularly valuable items, as these may have the biggest effect on the amount of coverage you need.
- Whenever you make a significant purchase for your home, update the inventory right away. Putting it off can result in a more time-consuming process and you may forget about certain items.
- Use your smartphone or tablet to walk through your home and video the tour. As you focus on certain items, you can describe them on the video, which can help to avoid writing everything down.
- Consider using a https://knowyourstuff.org/ home inventory program that leads you through the process.
Remember that proper storage of your inventory is just as important as a thorough list. If you write your inventory on a piece of paper and that paper is destroyed in your home, it does you no good. It is important to store your inventory online so it is protected and so that you can access it even if you cannot access your home.
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Having a home inventory is important and so is having a home insurance agent who understands how to fully protect your home and belongings. Please call Berliner-Gelfand & Co., Inc. in Connecticut for all of your insurance needs.