Protecting the things inside your home
There’s a popular saying that goes like this: “Home is where the heart is.”
That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate.
Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it.
Some of the things inside your house that helps make it your home include your furniture, home décor, appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s important to protect it all.
How do I protect what really makes my house a home?
Protecting the important stuff inside your home begins with an understanding what you have. If you’re like many people, you may find your home contains much more personal property than you realize.
Your homeowner’s insurance policy provides an amount of coverage specifically for your personal contents and belongings, separate from the coverage on the home itself.
Following a disaster, it may be difficult to determine or remember everything that you had inside of your home. Here are a few tips that can help:
Ø Use a video camera to record and audibly describe items as you move through your home. If you don’t have access to a video camera, use a standard camera or phone camera. As an added service for our property policyholders, at Absolute Integrity Insurance, we do offer to electronically store videos and/or pictures as a backup.
Ø Whether you use still photos or video to develop your inventory, include brand names and descriptions where possible, especially on high-cost items.
Ø Keep any and all receipts on high-dollar purchases. Keep these receipts filed together with any instruction booklets, warranties, etc. that accompany the items. While these aren’t required, they are extremely helpful after a loss.
Ø Store your video or photo inventory offsite or back it up with an additional drive.
Ø When you make new purchases, be sure to add them to your inventory.
If you have high-value items, be sure to check with us at Absolute Integrity Insurance so we can review your homeowner’s insurance policy to make sure you’re properly protected. We offer several programs including Personal Articles policies to provide specialized coverage for your higher valued items (including jewelry, fine arts, furs, firearms, and more). We understand that your home is not just a house, and we are here to help ensure that everything important to you is protected—both outside and inside your home.
At Absolute Integrity Insurance, we can work with you to make sure you've got the coverage you need. Just give us a call at 317-883-1316 or send us a note at firstname.lastname@example.org. We want to help you meet your goals, and make sure you have the right protection for what is important!