When settling into your Kissimmee, FL home, creating a home inventory might be the last thing on your mind, but it can help you if you need to file an insurance claim. In fact, bringing your home inventory with you to Familia Insurance Agency provides your agent with helpful information to make sure you obtain a policy that provides the coverage you need.
Creating an Inventory
Your home inventory contains three parts: video, photos, and a text description. Store it outside your home in a safety deposit box or in the cloud. The Insurance Information Institute offers an app, "Know Your Stuff," for creating and storing an inventory.
- Make a video of the contents of each room of your home. Include close-ups of electronics, bicycles, camera equipment, artwork, and other expensive items.
- Photograph each room, capturing close-ups of expensive items like electronics and appliances. Photograph the model number and serial number appearing on each of these items.
- Write a textual description of each item, noting its model number and serial number. Update this at least annually.
Using Your Inventory
Your inventory first comes in handy when you obtain homeowners insurance. Take it with you to meet with your agent. They can use it to calculate how much coverage you’ll need to replace your home’s contents in case of a hazard occurring, such as fire or theft.
Its second use occurs when you need to make a claim. Its easier to file a claim when you already have an accurate description of every item damaged or missing.
A home inventory takes some time to make, but it’s worth your time to document your belongings. You’re more likely to end up with appropriate insurance coverage for your Kissimmee, FL home. You’ll also find it easier to file a claim in the event of a loss. Create your inventory and visit Familia Insurance Agency to find the right homeowners police.