All You Need to Know About a Home Inventory Checklist

Creating a home inventory checklist is the best way to ensure that all your possessions are fully covered in the event of a fire, flood, or natural disaster. Your home inventory checklist should include your most expensive possessions. Smart appliances, antiques, collectibles, electronics, and most of your personal possessions should all be included in the list. While you don’t have to include every item you own, you should try to include as many as you can to make sure you are adequately covered.

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Home Inventory Checklist

Why Is Having a Home Inventory Checklist So Important?

When a disaster occurs, the last thing you want to worry about is trying to figure out where all your possessions are and if they are damaged or not. If you put together a home inventory checklist, you will know exactly what you have and what it will cost to replace those items. Your home inventory checklist is your guide to rebuilding your home and filling it with all the things you had before the loss. It also helps your insurance agent accurately estimate your loss and assist you in getting the items replaced.

What Is the Best Way to Create a Home Inventory Checklist?

There are two ways to create a home inventory checklist. The first way is to have a written list that contains all the intricate details of each of your possessions. This includes their purchase date, model, and serial number. The second way to create a home inventory checklist is to make a video of each item. Using a video camera, you can capture the accurate condition of the items and get a close-up picture of them.

What Do You Do with Your Checklist Once It Is Made?

Once you have completed your home inventory checklist, both written and video, you will have to put a copy of the list in a safe place. Most insurance agents recommend making multiple copies. You can store a copy in a safe place at home and put the second one in a safe deposit box or some other place outside your home. Finally, make sure your insurance agent has a copy of both the video and the written list. It’s also a good idea to create a digital copy that can be stored in the cloud. Digital copies are easy to store, retrieve, and share, and you do not have to worry about them being lost in a fire or other unfortunate disasters.

As a homeowner, creating a home inventory checklist should be your priority. In addition to creating a home inventory checklist, make sure that you have the right homeowners insurance coverage to meet your unique home insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.