Home InventoryYou protect your home with homeowners insurance in the event of a fire, theft or other catastrophe. In the unfortunate event you have to use your insurance, would you be able to provide a list of your belongings? Without a list it would be pretty hard. That is where a home inventory comes in to help. 

Though your homeowners insurance policy provides the protection that you need in the event of a loss, your policy can only pay for items that you can document. To protect your belongings, conduct a home inventory to record everything you own. Should a loss occur this inventory will assist you in quickly determining which items were destroyed or stolen. 

How should I conduct a home inventory?

Completing a full home inventory is simple. Walk through every room in your home and identify all of the contents. This can be done by making a list, taking photographs or even using our mobile app. If you make a list or take photos, make sure to keep them in a secure, fire safe location. Using our mobile app is easy and the information is stored electronically. You can even send a copy via .pdf to your insurance agent. 

Click Here to learn more about our mobile app. 

Click Here for a home inventory checklist

How does a home inventory list relate to my insurance policy?

A home inventory not only helps you in the event of a claim, but it can also help you determine if you have enough insurance coverage. Your coverage should equal the cost of your possessions at today’s prices. Items such as jewelry, furs and fine art should be appraised on a regular basis. This will help ensure you have enough insurance to cover their high-priced values. Also, these items may need to be covered by an extra endorsement or under a separate policy. Ask your agent for more details. 

Once your home inventory is complete, contact your agent at Rinehart-Walters-Danner Insurance to review your coverage and to provide a copy of your home inventory for safe keeping.