Make Sure Your Personal Property Is Protected

You have put in the time and energy to secure a homeowners insurance policy, and now all of your personal property is protected, right? Wrong. If you do not have a carefully documented home inventory, it can be difficult to secure the reimbursements you will need to replace each item in the event of a natural disaster, home fire, or thieves.

Of course, you know to put grandma's antique ring and your expensive electronics under your policy, but it can seem daunting to make sure every individual item in your home is properly documented. The amount of work it will take to create a proper home inventory, however, is a drop in the bucket compared to the difficulty of trying to replace all of your possessions without a record.

The hardest part of making your home inventory list can be deciding where to start. Pick just one room and begin there. Take photos of each item and, whenever possible, photos of the receipts so your insurance provider can be sure to get you the full amount. If taking photos seems too tedious, you can also create a home inventory video- just be sure to take the time to capture smaller items.

When creating your list, be as specific as possible. The more detail you are able to capture, the easier it will be to file a claim and secure reimbursements. Some online programs offer home inventory services and can guide you through the process to make sure you include the right information.

Put creating a home inventory on your list of 2015's New Year's Resolutions and you will thank yourself later. Adding items here and there will be simple once you have the list created.

To secure the coverage you need for all of your valuable personal property, contact Jack Stone Insurance Agency Inc. in Brentwood, California today. Do not delay in getting the homeowners insurance you deserve!