If your home should be subject to a fire, theft, flood, or another disaster, an up-to-date home inventory will make the situation much easier. A home inventory will be key to verifying any losses and getting your claim settled faster. It will also help you purchase the right amount of insurance.
If you would like to create a home inventory, here are some steps to get you started:
Describe each item: You will need to note the type, color, make, model, and size of each item. You should also list where you purchased the item.
Inventory your clothing: For clothing, you don’t need to list each and every piece. Instead, you can make note of how many items you have per category — how many jeans, how many pairs of sneakers, how many dresses, etc.
Look for serial numbers: On any major items, such as large appliances, be sure to check the backs and bottoms for any serial numbers and list those numbers with the descriptions.
Your home is full of items that should be part of the inventory. This means the process is not a simple one. You’ll need to take your time moving through the process, so you don’t get overwhelmed. Consider starting with one room, one closet, or the kitchen and moving on from there.
In addition, it’s important that you also inventory any items that might be covered by your homeowner’s insurance and that are in off-site storage.
Finally, make sure you speak with your agent about separate coverage that is in your home and might require its own policy. This includes art and jewelry.
Once you have a home inventory, you will be better prepared in the event of a disaster.
Are you interested in homeowner’s insurance?
If you need coverage for your home, the expert and caring team at CG Insurance Agency in Williamston, MI can help create a plan that is best for you. Contact our office today for more information.