Your home may be your castle, but that castle can fall victim to many hazards. If you ever need to file a claim, and 10%of homeowners do file claims every year, you will need some proof of what you lost. Your home inventory will be what you turn to when you need that proof. Oak Ridge Insurance Services in Oak Ridge, NC is your local independent insurance agency. We can craft a plan that gives you the right coverage at the best price.
A home inventory is a record of all the items you own. Once you start making it, you will be surprised by how much you own. It is most likely a lot more than you would ever suspect. You can do a traditional inventory with a pen and pad or a digital one. No matter what option you choose, you need to accompany it with photos and receipts.
Start in the room of your choice and write down everything you see. Open closets and drawers. Give as much detail as possible. The better your inventory, the better your end results will be. When it comes to electronics, giving brand name, model and serial numbers will help. If you have expensive items, have an appraisal to maximize your benefits.
Make sure you go to your attic, basement, and garage. Once you have everything listed, you need to store your inventory someplace where it won’t be destroyed if your home is a total loss. Making a copy and placing it in the cloud works. If you don’t have a cloud, a waterproof and fire-resistant box is an option or a safe deposit box.
It does take time to make an inventory, but if you ever need it, you will be very grateful.
Contact Oak Ridge Insurance Services in Oak Ridge, NC for all your insurance needs.