How to create a home inventory list for your home insurance policy.
Your homeowners insurance is designed to protect your home and belongings from a covered peril. While this coverage does help, if you don’t know what items are in your home, it can be difficult to recover after a disaster. For this reason, homeowners need a home inventory list. This is where you record all of your possessions and their value so that, should you need to file a claim, you have a list to send to your insurer. To help compile this list, read on.
- Gather supplies
You’ll either want to take a picture of each item or record it through a video. Either way, make sure you get a clear picture of each item and any serial numbers and make/model numbers. Documenting the condition will help your insurer understand the value of the object.
- Move room by room
Homeowners often find it easier to move room by room to keep track of what they’ve recorded. Remember to pay special attention to items of high value as these may require you to purchase additional coverage to protect them.
- Store it safely
Make sure you store your documents safely. Either upload the digital images to the cloud or send everything in an email to yourself (or both!) so that you have backups of everything. If you have paper receipts of your belongings, keep them in a fireproof safe or a safe deposit box.
- Update it regularly
A good rule of thumb is to review your home inventory every year, updating it as necessary. However, it’s a better practice to update it as soon as your purchase/donate/sell items while it is still fresh in your mind.
Rest easy knowing you have reliable homeowners insurance at hand. Are you ready to get started on securing the right homeowners insurance in Fresno for your home? Visit the professionals at McCarty Insurance Agency to get started today! We can help you understand the ins and outs of your chosen policy.