Most people have more stuff than they realize. There are the belongings that are easy to remember, such as your laptop, the TV, and your favorite piece of jewelry. But how about the things you kept hidden in your cabinet? Even nobody can remember every pair of shoes they own.
This is where you should consider creating a home inventory.
What Comprises A Home Inventory?
To know the value of the item that has been stolen or damaged, you must know its item description. Here is the information that you should have:
Make sure to take note of the items you keep in a storage facility if you have one. Your homeowner's insurance policy may cover these items in events of theft and fire.
How To Create A Home Inventory
You might think that the only way to create a home inventory is by creating a checklist. It's probably the most common way, but there are other ways to do it. It's up to you which of these would be easiest for you to create.
The amount of coverage you need for your items depends on your total homeowners' coverage. The percentage can range from about 20 to 50%. However, you can adjust this coverage based on the value of your possessions. And that is why having a home inventory is important.
At Roper Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (828) 697-6709. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!