Have you ever thought what would happen if you fell victim to a burglary, fire or any other catastrophic event that would cause you to lose your possessions? This is something most people do not think about on a regular basis. Most can name the big items – furniture, clothes, jewelry, electronics; but how about the little items? Also included in this is the consumables – items in your pantry, items in your refrigerator/freezer and dry goods.
Whether you own your home or you are renting, you need sufficient insurance coverage to protect you from the events listed above. To help determine the amount of coverage you need, it is a good idea to conduct a Home Inventory. Please find a Home Inventory PDF fillable form here. This can be an overwhelming task to complete at once – start it now and work on it as you make new purchases, when time allows add the older items.
When completing your home inventory be specific as possible; including but not limited to, the serial number and model number. The more detail provided the more likely you will receive a like replacement – less detail may mean a lower priced replacement. For the more expensive items (TV, Appliances, Stereo) take pictures or a video. Since we are in the age of technology you may prefer to take pictures or videos of all of your possessions. Some items you may not think of are items you take with you everyday – cell phone, laptop, tablet, mp3 player, cameras and jewelry. These items should also be listed on your personal inventory. Remember to update your inventory with new purchases and remove items you have disposed of.
Once your inventory is completed you can discuss your current coverage with your agent to see if you have adequate insurance and you will also have peace of mind that you have the coverage you need. It is also recommended to keep your inventory, pictures and videos in a safe place such as a safe deposit box. If you do have a loss it will make it easier to file your claim.
We are happy to help with any questions you may have about your current insurance coverage and discuss if there are any other options available. Stop by one of our offices – Edenton or Kitty Hawk and ask to speak with a Personal Lines Agent.
By: Jen Tighe