If you have a house, chances are there’s a lot of stuff in it. It’s amazing how many things you can pack into a home, from furniture to clothes to electronics and so on. You need to make sure that your home insurance covers all of your belongings, and a good way to start is to take a home inventory.
What is a home inventory?
A home inventory is a list of the belongings in your home along with the value of the items. To take a home inventory, you can go room to room and organize your list that way. So, get out your clipboard, grab a pen (or Google Drive), and go to town!
Adulting is hard. Get insurance quotes live in chat.Pro tip: Include photos or videos in your home inventory.
Why does a home inventory matter for home insurance?
But why should you waste a perfectly good Saturday taking an inventory? It sounds boring.
It can be helpful when it comes to your home insurance. First of all, it gives you an idea of how much coverage you’ll need for your personal belongings so you know you’re getting enough insurance for your personal property.
Second, it can help when you’re filing a home insurance claim because you’ll know exactly what needs to be replaced – our memories aren’t perfect, after all.
And third, having an inventory can help your claim seem more valid to your insurance company. (It’s not that they don’t want to believe you…it’s just that they’ve been burned by insurance fraud quite a bit.)
A home inventory can remind you about valuables and jewelry, too. You might need to get extra home insurance for your pricier treasures, as many home insurance policies only provide limited coverage for jewelry and valuables. And that limited coverage may not be enough.
Pro tip: Store your inventory in a safe place. It can’t exactly help you if you can’t access it after a loss.
Get home insurance quotes.
Get home insurance quotes by filling out our online form, sending us a message on LiveChat, or giving us a call. We’re here to help.