2/20/2023 0 Comments Home inventory insurance![]() ![]() Home inventory tips: List every item of value. However, keeping receipts and writing down serial numbers of major purchases can be helpful should you need to file a claim.ĮRIE also offers its Customers a fillable inventory form that you can keep in a safe place to help ensure that you have the right insurance coverage and all the information you need should you need to file a claim. Discuss with your insurance agent or company what is most appropriate for your personal property coverage needs. Getting Started: Start now even if your information is incomplete. Thats why NYCM Insurance has developed this Home Inventory document. Instead, write down “10 pairs of jeans,” and tally your clothing by categories. An accurate inventory and proof of ownership at the time of a loss can make the claim settlement process easier and faster. Ask your insurance company about home inventory apps they provide that help take the guesswork out of creating. Apps such as Sortly®, Memento Database® and Nest Egg® can also help create room-by-room records of your inventory.įor clothing, there’s no need to account for every article. Most insurers offer free home inventory apps. A spreadsheet program, such as Microsoft Excel, Open Office Calc, or Google Docs Spreadsheet, makes it easy to organize your home inventory. By taking photos and videos with labels and narration, you can thoroughly document your items. Start with you most valuable items or work your way through your house one room at a time. Don’t forget the garage or shed to make note of tools, lawn equipment, and sporting goods. Open closets and drawers and record serial numbers of items like appliances and electronics. While it might sound daunting, creating an inventory can be done by following a few simple steps. You can make your own home inventory using your smartphone to take pictures or video of each room in your home. Creating a home inventory now will make the process of proving what you’ve lost much easier and will save you from piles of unnecessary paperwork later.įinally, having an accurate list of your possessions is helpful when you and your Agent decide how much insurance coverage you need. Without an inventory, you might also struggle to demonstrate your financial losses should you apply for financial aid, such as certain tax breaks or disaster assistance. A thorough inventory of your homes contents and the associated value of the contents will help you and your insurance representative confirm adequate coverage. But if you have a home inventory, your work is already done. Step Four: After Disaster Strikes and Your home is Damaged. While youre making your home inventory list, check with your agent to make sure you have adequate insurance for these special items before there is a loss. Should I take inventory of my home in the event of a major disaster?įor many reasons, having an itemized list of your belongings and their value is important should a fire or serious disaster strike.įor starters, remembering all that was lost or damaged can be difficult, making the task of filing a homeowners claim more burdensome. ![]()
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