Many of us are surrounded by so much “stuff” in our homes, day in and day out, that we barely even notice it anymore. And that’s a problem when it comes to trying to recall everything that’s missing after a home break-in, major fire or other home disaster. Take some time now to create a thorough home inventory so that if you ever need to itemize your missing or damaged belongings on an insurance claim, you’ll be sure to cover everything and receive your fair settlement faster.
Today’s technology makes taking inventory easier than ever; you may want to utilize an app that allows you to create an inventory spreadsheet to catalogue your belongings, and upload receipts for large items such as furniture and electronics.
If you don’t have time to create a written inventory of everything you own right now, you could at least create a video of your belongings by walking through each room and visually capturing it all, zooming in on makes, models and serial numbers as necessary, and narrating details as you go along. Once you record everything, and that means not only the big, expensive things but also smaller items that would still add up if you needed to replace them, store the digital inventory in the Cloud or off-site on an external hard drive, ideally in a safety deposit box if you have one.
Now that it’s on your mind, why not make an appointment to talk to an insurance professional for suggestions on how to create an efficient inventory list, and to help sort through what kinds of coverage you need to protect your home and belongings? #cbrmr