With the extra time you may be spending at home right now, it may be a good time to take inventory of your belongings. In the event of a covered loss, it is important you know what items were lost. If you haven’t ever done so, be sure to create a home inventory list. Update any lists you may already have. Taking photos or video of the rooms of your home can be an effective way to document your possessions. Focus especially on valuable items. Don’t forget your clothing! If you have covered outbuildings, make a list of the items in them as well.
We hope you never have to experience the loss of your precious belongings, but if the unthinkable does occur, having an inventory already created could be very helpful in the rebuilding process. If you can record what you paid for items or when you bought them, that helps with the claims process. Keeping receipts or taking photos of the receipts to have on hand is also a great resource if you ever need to replace items.
This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.