If you had a burglary or fire in your home tomorrow, you wouldn't want to rely on just your memory when filing a clain. The items you use every day may come to mind quickly, but what about that set of silverware used only on special occasions? An inventory of your household goods, in both words and pictures, is essential to getting all the benefits that are due you.
Futher protection for your personal possecions
Although a written inventory helps you itemize your posessions, it doesn't document ownership or the actual value of th eitems. For that, you need a photo inventory and proof, such as sales receipts or a professional appraisal. Your best solution comes from a combination of all three.
Photographs and videotape
You don't have to be a professional photographer or cameraperson to do an inventory of your possessions. It's easy and could save you thousands of dollars.
Start by photographing or videotaping each room, wall by wall, floor to ceiling. Then take close-up shots of the valuables in each room (silverware, statues,paintings, etc.). When you have finished each room, go on to the closets, basement, attic, garage, ans storage sheds.
When you're finished, write basic information on the back of the photos or include this information in the audio portion of your videotape.
Review your photo/video inverntory every two or three years. Note changes in your possessions such as a new TV se or a couch you have had reupholstered. Delete items you no longer own.
Call today for a FREE insurance review.
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