If a fire, theft, storm, or other disaster destroyed your home tomorrow, would you be able to remember every item you owned — from electronics to clothing to kitchenware? Most of us think we could, but in the middle of a stressful loss, even the most basic things are easy to forget.
That’s why creating a home inventory with photos and documentation is one of the smartest things you can do as a homeowner or renter. In the event of a total loss, having clear records makes it much easier to work with your insurance adjuster and recover what you’re owed.
You don’t need fancy equipment or an expensive app to create your inventory. Your phone is more than enough.
Here’s a simple way to do it:
While photos are great, a written list adds an extra layer of clarity, especially for expensive or rare belongings. Include:
Taking the time to document your home won’t help if that documentation is lost in the same disaster. Make sure to store your inventory in a secure, offsite, or cloud-based location:
Try to update your inventory once a year, or any time you make a major purchase. That way, your records stay current, and you won’t have to start from scratch in an emergency.
It’s easy to put off documenting your home until “later” — but when disaster strikes, it’s already too late. A simple photo walkthrough and a few notes can make a world of difference when you’re trying to piece your life back together.
Taking 30 minutes now could save you weeks of stress, arguments, and financial loss later. Think of it as one of the easiest ways to protect your peace of mind and your belongings.
Having the right coverage means you’re prepared for the unexpected. Not sure if you’re fully protected? Contact us today to review your policy options!
We will respond to your inquiry as soon as we can.
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