If something were to happen to your home, having a home inventory will make the claim process easier. If you generally tell your insurance company that you owned something, but don’t note the brand or model number, then you may just be reimbursed for the cheapest comparable item. However, with a detailed home inventory you may get more.
Take Video: This is one of the easiest ways to document your inventory. Walk around your home and record everything. You should get the item in your frame, as well as the model number or serial number and any receipt you have. It can be a chore to go through the video in order to find a one item, so you may want to record individual video clips. Check with your agent at Shults Insurance Agency to see if this is an acceptable form of documentation.
Use an App: There are plenty of apps that you can download to create a home inventory, and these will help guide you through the process. You can create entries for each item in your home and include photos of the items. Some apps will allow you to include a web link to the product for more information. You can organize items in different folders and add tags to make searching easier.
Use a Spreadsheet and Photos: The most basic way to create an inventory is to use a spreadsheet and create columns for items, descriptions, serial numbers, prices, and other details. There is more control over the customization using this method. Organize photos in folders to make them easier to find. You can store the photos on the computer, but it’s best to store in the cloud in case the computer is one of the items that is destroyed in a disaster.
Contact Shults Insurance Agency, serving Fort Plain, NY, to get a quote on home insurance.
Anytime you make significant changes to your home or lifestyle, review your policy to see if the changes affect your coverage. You may need to update your policy to continue getting the protection you need. Your Shults Insurance Agency representative can help you evaluate your current insurance plan and make any necessary adjustments to maintain protection for your home and family. Here are a few examples of when and why to update your home insurance policy.
If you’ve made significant renovations to your home, such as remodeling a kitchen or adding a new patio, you need to update your insurance. Home renovations won’t be automatically covered by your current insurance plan. They need to be added to your policy in order to protect your investment.
Purchase of Pricey Items
If you purchased pricey electronics or other expensive goods over the last year, you might need to raise your insurance limits to protect these items against theft or loss. Standard home insurance policies have limits for protecting valuables. If the value of your goods exceeds the limits on your policy, you’ll need to make adjustments to your coverage, such as getting an insurance rider, to get the protection you need.
Lifestyle changes like marriage or retirement will also affect your home insurance. Marriage often results in combining two households which means more items will need to be covered under your policy. If your new spouse has a dog, you’ll need to update your liability coverage to include your pet in your policy. Your retirement may qualify you for discounted rates on your policy.
By staying in touch with your Shults Insurance Agency representative in Fort Plain, NY, you can keep your home insurance coverage current and up to date.
Summer is a common time for many Fort Plain, NY families to go on vacation—which unfortunately means it is a prime opportunity for thieves to break-in to homes in their absence.
While locking doors and windows, setting the alarm, and otherwise making it difficult for someone to get in are all common considerations, there are a few other ideas to keep in mind. Here are three tips for protecting your home while on summer vacation from our Shults Insurance Agency staff.
Tip #1: Keep Lights on Timers
If you are going to be away more than a night or two, it is wise to keep lights in the interior of your home on timers. Most thieves enjoy crimes of opportunity, and search for residences that clearly have no one inside. If a light comes on, most will assume that someone is there and look elsewhere for a place to commit burglary.
Tip #2: Instruct the Post Office to Hold Your Mail
Mail theft may happen in our area, and it becomes even easier to commit when a homeowner is out of town. One way to make it appear as though someone is home, and to reduce the chance of your private letters being stolen, is by asking the post office to hold your mail until you return.
Tip #3: Have Someone Stop By
Another great way to protect your home while you are on vacation? Have a friend or relative stop by periodically to check on things. Have them take note of anything unusual, or things that may seem out of place between visits.
Of course, having adequate homeowner’s insurance is also quite important. Before you pack that suitcase, make an appointment for your no-obligation policy review. Our Shults Insurance Agency team would be happy to help ensure your home is properly covered. Contact us today for details.