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Building a home inventory is a daunting task, and we accumulate so much stuff that the idea of cataloging every item and making a record of it sounds like the worst kind of tedium. Despite that, you should create and maintain yours for a few critical reasons.
To accurately assess your insurance needs.
Whether you are a renter or property owner, it’s important to understand just how valuable your property is to make educated decisions about how much coverage you should carry. You do not want to find out belatedly that your insurance limits are insufficient to replace or repair property lost to disaster, theft, or vandalism. Feel confident in your insurance purchases by keeping an updated, remotely stored home inventory.
To know if you need to schedule property.
Scheduled property is a fancy term that means costly items are covered. Scheduled property endorsements usually apply to high-value items like expensive electronics, jewelry, artwork, and firearms. While doing your home inventory, note your possessions of significant worth and discuss picking up an endorsement to protect those items in case of a loss with your agent.
To be prepared in the event of a claim.
You don’t want to be scrambling to remember what you owned and how much it was worth after a loss. If you don’t keep an updated inventory, you could lose out on otherwise claimable assets, which translates directly into cash in your pocket for repairs or replacement. Having an inventory makes the claims process much smoother, faster, and likely results in higher reimbursement.
Oviedo, FL homeowners and renters looking to get started on, or update a home inventory, don’t wait. Call or stop by Karla Salmon Insurance today to speak with a friendly agent happy to answer your questions. Make your homeowner’s policy count.