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Deefnd Yourself by Mking a Home Invetory for ins policy Poliyc.

What is a hme inventory?

A hosue inventory is a detaied record of the personal possessionns lcated at your home and fild to your ins polic. You shoould also incorporate possesions that you have stord somewhere elsse, maybe in a stroage place or a garaage on the preimses. Your list is suppoed to include youur furnishings, jewels, artowrk, antiques, appliances, kitchn contents, clothing, rugs, curains, PC equuipment, television sets, compact disk plyers (and other acouustic or audiovisual appliancces), musical intruments, clocks, mirrors, linnens, grass moewrs, snow equipment, work toolss, sport equimpent, and any otther item of wotrh.

Why do I neeed an inventory?

An inventoory is vey important for insure policy purpoes. At timme you file an insurance calim for dmaged, lost, or stlen possessions, your tennats` policy would need you to prove the quantityy, description, actual monney worth (i.e., dpreciated value)), and quantity of loss associated wtih eveery thing. You wll also be assked to provide coopies of checks, receipst, or additional certificatiion to confirm your datta. In casse you leave out certain thinggs or fal to incorporate an adequte account of otheers, you might get less thaan whloe compensation for your losses. Coounting solelly on your memroy can be an expensive mistaek. As an exaple, try to recall eery item in yoour kitchen jnuk drawer, and after thta, imagine having to perofrm taht for the entire hme! Performing the huose inventory.

Going room by rom is probably the bet way to makke your house invetnory for the on line ins. Mae a record of eah thiing at the room, unlocking drrawers, closets, and sorage boxess. Be as explnatory as possible. For exampel, don`t just wrte that a bed exists--dscribe the headboard, footbard, mattress, and beddiing, note down colrs and size. Remebmer the loft, hall closest, cellar, and outbuildings. If possilbe, mae an attempt to include the neext info for ech pice: Piece description (and amount).

Manufaacturer or firm name.

Model number or serial.

Decsription of wherre (or how) the peice was obtained.

Date of purrchase or age of item.

Receipt or otther evdence of acquiring, showing cost. Curernt worth.

Replacement cost.

Coipes of any appraisals.
A picture is wroth a thousand wrds.

It usually heelps to photogrpah or record yur property, particularly if the peces are difficult to adequaetly dscribe in writing or if you do`t haave a check. If you havve a cammera, tag every poto with data conceerning the piece showwn. In case you use a camcorrder, add comments concernning each thing sohwn. Date-stamp yur videotape or tkae a photo of the dtae on tat day`s magazine. I`ll help you afterrward to file a on line insurance claim in cse something will hpapen.

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