Use this guideline to create the right home inventory for your needs.
If you had to make a list of every item in your house, would you be able to do so? While it may be easy to list the big ticket items, such as your flat screen TV and furniture, can you go much further? While it may seem like a ridiculous task, it is essential when it comes to deciding if you have the right amount of homeowners’ insurance coverage.
Creating a home inventory is the first step in figuring out how much coverage you need. Making an inventory is very simple. Simply take a picture of everything you own or walk room to room, using a video camera to record each item. The more information that you are able to provide in your inventory, such as serial numbers or receipts, the better. Once you have put your inventory together, make a copy. You should always keep a copy at your house and one at a safe, offsite location, such as a safety deposit box at the bank. Keeping a copy outside of your house will help to make sure that you will have access to your inventory even after your house is totally destroyed.
Along with helping you decide on how much coverage you need, your inventory will also be an essential item if you ever have to make a claim. If your house is ever broken into or destroyed, you will be able to make a claim for all of your belongings that were damaged to ensure that you are able to get the payout that you deserve.
Contact the insurance professionals at Abbate Insurance in New Haven, Connecticut for all of your home insurance needs. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection for all of your assets, all at the right price to fit your budget.
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