Do you know exactly how many belongings you own? If you do not know the exact price of each of your belongings, it can be difficult for your insurance company to reimburse or replace all of your belongings in case they are damaged or ruined in a disaster. The best way to ensure that all of your assets are protected is to create a simple home inventory.
There are two main ways to create a home inventory, including:
- Make a list. Make a detailed list of all of your belongings, including the price of the item and when it was purchased. Make sure to go into every room to ensure that you do not miss any of your belongings.
- Make a video. Walk into each room of your home and take a video of all of your belongings. Talk over the video to explain the value of each item and when it was purchased. Make sure to open all closets and drawers so that you do not forget any assets.
It is also important to keep any receipts of expensive items, such as stereo systems or TVs with your home inventory. Make sure that you store your home inventory in a safe location, such as in a lock box or a fire proof safe so that it is not damaged in a disaster.
The sooner you make a home inventory, the sooner you can be sure that all of your belongings are protected. It is especially important to make a home inventory if you are moving to a new home, just in case any of your belongings are lost or stolen during the move.
For all of your renters and homeowners insurance needs throughout Northern California to ensure that all of your assets are protected in any situation, contact the insurance professionals at Agers Insurance Services in Oakley, California. We can provide you with the most comprehensive coverage to cover all of your assets in any unfortunate situation.