If you suddenly had to replace everything you own, you’d be surpised how quickly things add up. Creating a home inventory is a great way to find out how much insurance you need. Having one on file is also an excellent way to expedite the claims process after a loss. A Home Inventory is simply a list of the insurable items in your home and their value. If you do experience a property loss, your inventory will assist in the settlement of a covered loss or claim. Here are a few tips to help get you started.

Ways to Create a Home Inventory

 

There are several ways to create an effective home inventory.
1. Video Walk-through/ Photographs

This is the quickest and easiest way to document your belongings. Simply make a video walk-through or take a pictures of all the items in your home. For added security, and to come up with a bottom line, you can combine the photos with a documented list.

2. Computer Spreadsheet or Handwritten list

Create a home inventory spreadsheet on your home computer. This can add up the value you need for you, and you won’t have to worry as much about mathematical errors. If you’re not computer savvy, or just find it easier, you can simply write everything down on a notepad. Just make sure that you have this paper stored somewhere safe! Make sure that you document as much information about each item as possible.

  • • Brand names/Models
  • • Serial Numbers
  • • Date Purchased
  • • Purchase Price
  • • Receipts or Credit Card Statements, if possible.

What Items Should You Include?
When making your list, remember all the possibilites that are covered by your policy. Think of items that could be stolen to things that could be lost in a fire, etc. It’s best to consult your policy to make sure what’s covered and what’s not, but here’s a basic list to get you started:

  • • Furniture
  • • Appliances
  • • Antiques
  • • Art
  • • Electronics
  • • Jewelry
  • • Appliances
  • • Tools
  • • Clothing
  • • Computer/Home Office Equipment
  • • Sports Equipment
  • • Musical Instruments
  • • CDs, DVDs & Video Games
  • • Home Furnishings
  • • Items in garage, basement/attic, etc.

Low Auto Insurance Rates!

Sample Rates for Fresno:
18 Year Old Female
$49/month
  • New Driver with liability
  • 1999 Chevy Cavalier
25 Year Old Female
$39/month
  • With DUI & SR22 Filing.
  • Liability on 2003 Honda Accord
18 Year Old Female
$89/month
  • Good Drivers
  • With 2008 Toyota Camry
  • 2005 Ford F250
  • Full coverage
18 Year Old Female
$49/month
  • With Accident
  • 3 tickets
  • With SR22
  • Liability on 1999 Ford F150