|If I asked you to list the entire contents of your home, could you do it? Do you know the make and model of your TV (or how many), refrigerator, or electric tooth brush? How many sets of bed linens? Exactly how many shoes do you own? What about all the belongings in the garage or shed out back?
I hope you never have to answer these questions but in the event of a disaster or theft, this may be just the information that your insurance company could be looking for. So how would you answer?
Taking a home inventory can be as high-tech or low-tech as you would like.
At a minimum, I suggest walking around the house with a camera and taking photographs in each room. Better yet, use a video recorder and walk around the house shooting video as you open up your drawers and cabinets to get a full record. Just be sure to keep these photos or videos outside your home!
There are also a lot of apps for iPhone and Android that can help you. Some will guide you through the process and will help you collect make and model numbers. Some now even send you recall alerts on your electronics and appliances.
Click your appropriate system for a review of several top-rated apps:
While this may seem like a mundane task, it is amazing what the teenagers in your life will do for $20! Whether low-tech or high-tech, having a record could come in handy some day!
Have you ever been in an earthquake? How about an earthquake in Ohio? They are actually more common than you think. Granted, not the earth shaking, building destroying earthquake of Hollywood, but they are frequent. Check out this map…
Did you know that most home owner’s policies do not cover damage to your home due to earthquakes? Most insurance companies do offer this form of coverage as an add on. If there are a lot of dots near your home, you may want to discuss the coverage with your agent!