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How to create and store a home inventory

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. 

Protect your home and property with a comprehensive policy

Are you looking to buy a home in the lovely Oak Ridge, NC community? If so, the team at Oak Ridge Insurance Services has got you covered! We have found that there are different beneficial coverage features when it comes to protecting a home with a substantial amount of property. We understand that everyone’s needs are sometimes different, and we take a hands-on approach when it comes to helping our clients find the right insurance. 

Benefits of a comprehensive policy to protect your property

Basic policies are, just as the name implies, basic. However, most people who own a home with property and perhaps some outbuildings are often insufficiently covered. When there is the property and other buildings in addition to a family home, a comprehensive policy is a good way to cover all the bases. 

In addition to the main structure, it is sometimes possible to protect additional buildings such as barns, workshops, and storage sheds, all within the same policy. Peace of mind comes with knowing that protection levels are adequate, and everything has coverage if and when a covered event should occur.

Insurance may not be fun, but it is necessary and can be an important part of actively protecting one’s family. There is no reason to settle for an insufficient policy when there are many comprehensive homeowner policies available. 

Rest easy with the right homeowners’ policy!

Oak Ridge Insurance Services is here to help you review the different types of insurance that are available. We want our friends and neighbors in the greater Oak Ridge, NC area to have the protection they need. Call or stop by our office today and learn more about how you can protect your home and property with a comprehensive policy. 

How to keep your home safe during summer

Our homes are the single most essential assets in our lives, and protecting them is our topmost priority. The summer season is here, and it can particularly get hot in Oak Ridge, NC, which means most of us have to leave home and engage in various outdoor activities. So, how do you ensure that your home is safe when you are out there? At Oak Ridge Insurance Services, we can help you keep your home safe by providing you with a home insurance policy that is customized based on your needs and budget.

Apart from buying insurance, here are a few ways you can keep your home safe.

Make sure your doors and windows are burglar-proof

According to research, 30 percent of burglars gain entry into homes through an unlocked door or window. Before you leave, check all your doors and windows for faults and make any necessary repairs if needed. It is also essential to invest in heavy-duty padlocks or locks to prevent easy access by thieves.

Invest in a home security system

You need peace while on vacation, and only a home security system can provide that. Most smart home security systems can be connected to your device, whether it’s a phone or laptop. This way, you can check your home from wherever you are.

Install smart lights to trick burglars

If you are going to be away for some time, you will need to be a step ahead of burglars. Turning all your home’s lights off can be a terrible idea because you will be informing everyone that you are away. The best way to handle this would be to purchase smart lights and bulbs, which you can turn on and off from wherever you are.

Lastly, let your neighbor know that you will be away and avoid posting about your intentions on social media. Most importantly, make sure your home insurance policy is up to date, and all the necessary coverages are intact. For more information about home protection, please speak to any Oak Ridge Insurance Services expert or visit us in our Oak Ridge, NC offices.

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

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