When you own a home, you face a lot of risks. Having home insurance helps you to mitigate some of the risks you face. Make sure you have the right amount of home insurance to cover everything you need. Of course, everyone hopes that they will never need to use their home insurance, but you will be glad to have a home inventory if you do. At August Vincent Insurance Agency in Huntley, IL, we believe in customizing your home insurance to you and your home. Choosing the right amount of coverage protects everything you own.
Home Insurance Facts
A home inventory will be your best friend when you file an insurance claim, so you must make it as detailed and clear as possible.
Begin by getting a pen and pad and bringing your phone or camera. You will want to take many photos of each room, and be sure to include any of your more costly items. Try to have a plan. It will be a time-consuming operation, and you need to include everything and lots of details.
Give names, brands, and serial numbers on anything where it is appropriate. If you have sales slips, receipts, or appraisals for the more expensive items, that will certainly help.
Go room to room and don’t just list the obvious things, such as open closets and drawers. You want to include everything. Go up to the attic and down to the basement. Check the garage.
Once you have collected all the information, attach the pictures and receipts and find a safe place to store the inventory. A good option for a backup is to take photos of the inventory and email them to yourself for storage in an email folder. You can also put the copies on the cloud. At the very least, fire and waterproof containers are a must.
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Contact August Vincent Insurance Agency in Huntley, IL with any questions about home insurance.
