Owning a home is a dream and it can also be a nightmare if you don’t have the right home insurance. You need an independent insurance agent who will take the time to get to know you and your insurance needs. They should also discuss what types of home insurance will protect you best and also what amount. It’s too late to find out when you need to make a claim that you have no inventory or have stored yours in an unsafe place. At AFI Insurance in Denver, CO, we have 25 years of experience helping homeowners get the right coverage.
When you file a claim with your home insurance company, if you are claiming lost content, you will have to have proof of the content you had before the damage happened. One way to do this is with an inventory. When you do an inventory of your home, you account for all of your personal property.
One way to do this is to go to each room and write down all the items in the room. That includes furniture, decor, and all the things that are tucked into drawers and closets. You also need to take some pictures of the room to keep with the inventory. If you have sales slips or receipts, these are also important proof of what you had. Write as much detail as you can and include brand names, model numbers, and serial numbers if it makes sense. Do this for every room in your home, including the basement, attic, and garage.
Once your inventory is complete, you need to store it in a safe place. It is better not to store it in the home but make sure it is in a waterproof fire-resistant box or bag.
Contact AFI Insurance in Denver, CO, when you are ready to review your home insurance and want an experienced independent insurance agent.