How To Create Your Home Inventory

insurance agency san gabrielYour Guide To Creating A Comprehensive Home Inventory

With only a few days of this New Year behind us, you are likely still making tweaks to your list of New Year’s resolutions. While you are fine-tuning your goals for 2015, consider adding, updating, or creating your home inventory to your resolutions list.

What is a home inventory list? Exactly what it sounds like. Ideally, such an inventory should list every item of your personal property and include receipts, credit card statements, and appraisals so you can be properly reimbursed in the event you need to replace any of your property. Having an up-to-date home inventory will enable you to update coverage on your homeowners insurance so there will be no gaps in your policy and no unexpected out-of-pocket expenses should something happen to your home.

The first step to creating your home inventory is picking a place to start. Choose just one room, and document each item there. Take photos of each item, collect the necessary receipts and credit card statements, and consider taking a thorough video of the room. Continue these steps in each room and voilà! You have a home inventory.

After you have created your home inventory, connect with your insurance agent to make sure you have enough coverage. In the event of a fire, you will want to be able to replace every single item on that list, and ensuring you have no gaps in coverage will enable you to rebuild from the ground up in full. If you have valuable items, like art, furs, or jewelry, that have not been added to your policy, ask your agent how to include them in your coverage.

If you have questions about creating your home inventory and making sure it results in the proper amount of homeowners insurance, contact the Pulp Street Insurance Agency. Our dedicated, knowledgeable team serves California and is here to meet all of your San Gabriel and Westminster insurance needs.

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