Have you ever completed a Home Inventory?

Winston-Salem, NC 10/25/2013

If your home were damaged or destroyed by a fire, theft, or natural disaster, would you be able to recall every item you own? In the event of a total loss, you will be expected to provide a list of all your personal property that was damaged, along with its estimated value. A Household Inventory can not only make it easier to settle your insurance claims, but can also help determine if you have the right type and amount of insurance for your home and its contents. Follow these simple steps to complete a Household Inventory.

  1. Make a list. Jot down the items and their value in each room (don’t forget the closets and storage areas). Then itemize the contents in the space provided in this brochure. Be as thorough as you can, noting make and model or serial number, date purchased, and the item’s value.
  2. Take pictures or record a video. A visual reminder is also extremely helpful when trying to recall the contents of your home. Take pictures or make a video of each room, date them, and keep them with your Household Inventory.
  3. Compare your coverage. Compare the Household Inventory total to the amount of coverage on your homeowner’s policy. If the amount on your policy is less than the value of your inventory, contact your independent agent to adjust your coverage.
  4. Safeguard your inventory. Store your inventory in a safe place – in a safe deposit box or a fireproof safe.
  5. Review it once a year. It’s important to recheck your inventory once a year. What new items have been added to the household? How have the cash values changed? How does the protection of your homeowner’s policy measure up against inflation? With the help of your insurance agent, make sure your policy offers the right coverage for your valuables.

Click Here to download a Complete Household Inventory Checklist

If you have any questions or concerns, please do not hesitate to contact us.

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What Our Customers Say!
Several months ago we had a flood in our home due to a defective valve in our guest bathroom. Needless to say we came home to a disaster. We immediately contacted our agent, Linda Welborn. Right on the spot she gave us the name and phone number of a company to call (Disaster One). They came out that evening (around 11:30pm) and worked through the following morning around 6:30am. They did an outstanding job! We were so impressed with their "sense of urgency" and "expertise" we assigned all of our repairs to their company. The insurance adjuster(Erie Insurance) cut no corners when it came to replacing damaged items. They issued repair orders on things we weren't even aware we needed to look for. They too did a great job in getting everything processed quickly. It's great to have such a Professional agent who treats us like we are her only customer. I have been so impressed with her outstanding customer service that I refer many people to your agency because of the great care and attention she gives to her customers. Thank you Linda for your outstanding service! We look forward to working with you in the years to come.
Linda Martinez, Merfin Systems, LLC

Read what others have to say.

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