Homeownership brings many risks, and about one in twenty homeowners file an insurance claim every year. When a claim relates to the home’s content, having a home inventory can make the process move along much smoother. At Fortress Insurance Agency in Overland Park, KS, we have years of experience providing a personalized assessment of your insurance needs and ensuring you have the correct protection.
Creating a home inventory takes quite a lot of effort, but if you ever need to file a claim, you will be very grateful. You have several options for how to create your inventory. You can do it digitally, or you can do it manually with a pen and paper. Both are functional and provide the needed information. The object is to make sure you create an inventory with as much detail as possible. Go from room to room in your house and document what you have in each room. Open drawers and closets, leave nothing unturned.
When it comes to detail, add the brand name, model name or number, the serial number, and purchases. In other words, don’t say three vases, say one Lennox 18 inch vase, one eight-inch blue pottery German vase, and one hobnail milk glass bud vase. Take pictures of anything valuable. Having an appraisal or receipt really helps. Make sure backup records are attached and stored with the inventory. Don’t forget to visit the attic, basement, and garage.
Where you store your inventory is important. Consider the possibility of your home being destroyed by a tornado or a fire. It might be tough to locate the inventory if you haven’t taken the right precaution. If possible store it off-site in a safety deposit box. At the very least, store it in a fire and waterproof box.
Contact Fortress Insurance Agency in Overland Park, KS for all your insurance needs.
