How To: Make Your Home Inventory

Homeowners Insurance Carlisle PAMake Your Homeowners Insurance More Effective With A Home Inventory

If a fire takes your home and everything in it, would you be able to replace all of your personal possessions? If you cannot remember what you had, probably not. To make sure that you can rebuild to the same quality of life, create a home inventory, or a list of all of the items in your home. So you can protect your personal property, use these home inventory tips.

  • Capture Pricing: When you file your claim after a disaster, it will be much easier to secure a full reimbursement if you have accurate information about the value of each item. This can be as simple as keeping receipts and credit card statements for everyday items. Get professional appraisals of valuables like art and jewelry. Add all of this information to your inventory.
  • Take Photos: It can be tedious to write every single item down, but photographs can help you capture anything you missed in writing.
  • Store It Digitally: To ensure your inventory is not destroyed in a catastrophe that takes your home, store it online.

Are you working with an insurance agent who is advising you on the best ways to protect your home? Contact Miller Insurance Associates in Carlisle for all of your homeowner’s insurance needs in Pennsylvania.


Understanding The Best Agent For Your Needs

Insurance Agency Carlisle PACaptive vs. Independent Insurance Agents

No, a captive agent is not a spy who has been taken by enemy forces. A captive agent is an insurance professional who only works with one insurance provider. An independent agent, on the other hand, works with multiple providers. Here are a few ways an independent agent can best serve you.

  • More Options: A captive agent will only be able to show you policies from one provider. An independent agent can show you multiple policies from multiple providers, making it easier to find the best coverage for your needs.
  • More Savings: Similarly, because an independent agent has access to policies from multiple providers, he or she can shop quotes from multiple companies in order to find you the most competitive pricing on your coverage.
  • More Protection: Your insurance coverage will not be very helpful if you cannot figure out how to properly file your claim. Independent agents are industry experts committed to serving you—instead of a big provider—and can help you file your claim and advocate for you if need be.

You deserve to work with an independent insurance agent who is working for you, not a provider. Contact Miller Insurance Associates in Carlisle to connect with an independent Pennsylvania agent today!