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.