Do you know everything that you have in your home right now in Wyomissing, Reading, Robesonia, Sinking Springs, Myerstown, Womelsdorf, PA, and the surrounding areas? Odds are that you would remember many of those items, but there would also be some that you miss, including some important ones. At Stubbs Insurance Agency, we can help you to create a home inventory list so that you don’t miss important things should you ever have to file a claim with your homeowners insurance. Additionally, making a home inventory allows you to be sure that you have enough coverage for those items that may be lost in a covered event. The last thing that you want to find out is that you don’t have enough coverage to cover the loss of your personal belongings, especially valuable and rare items that are irreplaceable. Contact us today to get started with your home inventory list.
How To Start Your Home Inventory
When you start to think about all that you have, it can be overwhelming and difficult to figure out how to start. The best thing to do is to start with a single room and take inventory in that room, then move on to the next room. In this way, you are limiting what you need to focus on. Many times, people will take pictures of the items that they have, which is ideal for larger items like bedroom furniture and other larger items.
Clients may opt to use a smart phone app that helps to take a room-by-room inventory. These offer different features, including pictures, making additional notes and comments, and having this information backed up in the cloud. Where possible, keeping receipts for larger purchases is good, as is recording serial numbers from unique items.
Other Benefits of a Home Inventory
Knowing what you own and being able to quantify it helps to ensure that you are getting the right coverage amounts with your home insurance. Being able to quickly add up what was damaged or lost helps with timely filing of claims. In some cases, knowing the value of what was lost can also help when applying for financial aid such as tax breaks or disaster assistance. But no matter how you inventory your home, keeping these records off site somewhere so that you can access them if the worst happens is important.
Most people don’t realize that the value of all that they own in Wyomissing, Reading, Robesonia, Sinking Springs, Myerstown, Womelsdorf, PA, and the surrounding areas, and doing a home inventory provides an important basis for your cost should you need to exercise your homeowners insurance. Stubbs Insurance Agency can help you to not only get the right home insurance, but to give you tips on performing a home inventory. Contact us today to review your home insurance needs.