Home is where the heart is, and it is also where you keep most of your possessions. When a covered peril hits, and chances are it will hit eventually, you will need to file a claim with your insurance carrier. It is not a particularly easy process, but it can be very manageable if you have a home inventory. It’s a matter of creating one at your leisure or being forced to create one in the most trying circumstances you can imagine. At Kriener Insurance in Woodbury, MN, we are passionate about providing our customers with the best possible experience in getting insurance products.
Deciding to create your home inventory is best done when you have the time you will need. Depending on how many rooms you have, it can be quite extensive. You can do it digitally or the old-fashioned way with a pad and pen. Whichever way you choose, you will need to go into as much detail as possible. Gather all your receipts and invoices to use as backup, especially for any of your larger, more expensive items. Use a camera to take pictures of each room from a few different angles.
Open every closet, every drawer, and every cupboard. Record the brand names, serial numbers, and model numbers, especially for electronics. Go into the attic, the basement, the shed, and the garage. When you are finished, you need to store your inventory in a safe place. You can make a digital copy and store it in the cloud, which means it will always be available to you no matter what gets damaged or destroyed. You can also choose to get a safe deposit box or at the very least a fire and water-resistant box or bag.
Contact Kriener Insurance in Woodbury, MN when you are ready to review your home insurance or are a new home buyer.