The Holidays are over, and that means it’s time to find room for all of the new gifts that you received over the holidays. The easiest way to keep track of all of your possessions is creating- and continually updating- a Home Inventory.
A Home Inventory is a list of the valuable objects that you have inside of your home.
It may sound like a waste of time, but this list will be your saving grace if there is a fire, destructive storm, or if someone breaks in and steals your belongings. Without one, many people have a difficult time pinpointing or recalling everything that might have been destroyed or taken, and unfortunately, that can delay homeowner claims or keep you from getting your full compensation.
So, when the New Year rolls around make the time to take inventory of your home and all of your new treasures. It’s easy! Just go room by room and document:
- Personal Care Items
- Kitchen items and appliances
- Beds and linens
- Sports equipment
Don’t forget to take pictures of the exterior of your home as well -photos are best from all angles- including the landscaping and any decks or porches- and also take note of everything in the garage, attic, or basement, like holiday ornaments, lawn and yard equipment, tools, etc.
You can choose to write everything down, but we suggest to use photo/video documentation of your belongings. To make the whole process easier on you we’ve created a Household Inventory Checklist that walks you through each possession you may have, so you don’t forget anything- you can even document the value. Just attach your photos to the document or put them in a folder on your phone and you are good to go! Click here for the checklist.
Trying to tally up what needs to be replaced is not something you want to do in the event of a claim, so taking the time to complete an inventory will be more than worth it. You can even use the time to get rid of the old and make room for all of the new!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.