Your homeowners insurance policy comes in handy if your house is robbed or catches fire. However, when your agent asks you the value of your lost or damaged possessions, will you be able to remember every single item that needs replacing? Probably not. That’s why you should create a home inventory.It sounds tedious, and it can be, but it’s worth it if you need to file a claim. Start by going room to room and create a list, either on paper or electronically, of every item you treasure and its dollar value. You can skip over those flip flops your dog chewed up and any other items you simply don’t care to replace. Focus on what you would miss, like:
- Electronics and appliances
- Musical instruments
- Media collections
- Clothing, shoes, jewelry and accessories
- Outdoor equipment
When possible, make note of manufacturer information and model number, keep receipts of high-dollar items and take photographs. An easy way to compile this information is to scan these items and store them in a specified folder on your computer.
It’s a good idea to make several hard copies of this list as well. File one with your insurance agent, leave one with a neighbor or perhaps even add one to your safety deposit box. That way, if your home undergoes severe damage, you will not lose this information.
Making a home inventory is just one aspect of protecting your home. Call Pro Player Insurance Group at 855-367-7744 for more information on Fort Lauderdale homeowners insurance.