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Take photos : Collecting photos is an effective visual way to track items and prove you own them.Digital file : Keeping track of belongings in an Excel file or Word document is a simple way to maintain a digital record.Many homeowners keep a log book or binder with a complete list of personal items. A hard copy of items : The most traditional option.Don’t make the mistake that I did.There are many ways you can record your home contents today. Ultimately however, I did do a inventory and discovered that the lump sum that I thought fair at the time was roughly equal to only half the actual contents value. I took a lump sum payout on the home contents because I couldn’t imagine the pain of trying to inventory those contents from memory. Hopefully you will never need those records but if you do you will be glad you took the time to create them. Computer lists and records can be updated and added to as necessary. More detail is better and don’t skip the little stuff. Safe deposit boxes work well here if you have one or are willing to arrange one. Pictures, receipts, videos and printed inventories saved to the cloud and perhaps a flash drive stored out side of the home.
My insurance agent suggested video of the entire home including closets and shelves. My insurance company worked with me but I still came out about $200-250K short of value in the end. Also, shop pricing on homeowners insurance but don’t be underinsured. I suggest a comprehensive, time intensive categorization of all belongings in detail. The fire came while my wife and I were sleeping and got everything but us and our cars. I suffered a catastrophic loss to fire 5 years ago. Read More: Take this quiz to see if you’re protecting your heirlooms the right way.
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Contact the GEICO Insurance Agency for a free quote. Homeowners and renters insurance help give you peace of mind for your most important personal belongings. Why not make your home inventory part of that equation?” “Typically, that’s when you’re thinking about your household finances.
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And, since you’ve gone to the trouble of carefully recording all of your valued possessions, he advises that you regularly update it-perhaps during April tax season. That way, it will be easy to share with your insurer in the event your property is stolen or damaged, says Barry.
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Most apps allow you to store your completed home inventory in the cloud or to download it to an external storage device. Do whatever feels right to get you to the finish line.” Store & Maintain Your Records “In the end, it’s just a matter of preference how you approach making your inventory. “Experts will tell you to start in the kitchen, or start with a small room or with your big-ticket items,” says Barry. It’s a big job, one that may take several days to complete. Consider Extra Protectionįor your most valuable possessions- jewelry, artwork, heirlooms-Barry advises that you contact your insurer you may need additional coverage beyond the basic policy limits to adequately protect these high-value items. Don’t forget about personal property kept in off-site storage or at your workplace. But, Barry says, you can group other things together, such as clothing, tools, kitchen items and books (for instance, six pairs of jeans or a 40-piece china service).
Large appliances, furniture, electronics, computers, rugs and other “big-ticket” items should be individually entered into your home inventory. If you no longer have a receipt for a specific item, estimate the price and approximate date of purchase. “Fill in as many of the blanks as you can,” says Barry.
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For each item, include type, cost, date and place of purchase, as well as model and serial numbers. Organize your inventory by room (kitchen, dining room, master bedroom). Try to find one that has convenient features such as barcode readers and secure storage options, says Barry. Plenty of apps offer the ability to create a home inventory for little to no money.
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