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A home inventory is a document, or a number of documentaries, that lists every possession that you own. They can be very time consuming to put together, but in the chaos and stress in the aftermath of suffering severe damage or being the victim of a burglary a list of everything you own will help both you and the insurance company sort things out as quickly and as easily as possible.
How, though, should one go about making a list of everything that they own? Whilst it might seem easiest to just wander through the house with a video camera that won’t necessarily do the job (though it is probably still worth considering). You need to list everything in a house right down to the smallest items in the deepest draws.
The best thing is to establish a methodical system, this will make it easier to update and maintain as things change over the years. Start off in the kitchen and list every large appliance. It is not enough to simply write ‘cooker’ or ‘microwave’ you need to be more detailed than that. Try and find the maker of the appliance, its age, and its specific model, as well as how much it cost you ideally.
Once you have done the appliances, go onto doing all the cutlery and then all the crockery and then finally the pots and pans. The order that you work in is not particularly important, but make sure that you’re thorough and go through each type of item individually.
Having done the kitchen work through each room in the order you would go through them from stepping in your front door. Do all the downstairs rooms first, and then move upstairs. In each room follow the same process, do the major pieces of furniture first, and then smaller items. In the long run this sort of precision will make life easier, even if it is annoying in the short term.
A comprehensive home inventory can help to reduce the costs of your home insurance as it allows you to accurately assess the value of your contents. You should keep your inventory as up-to-date as possible, and take inflation and varying replacement costs into account. Home insurance is a vital commodity and doesn’t have to be expensive, make sure that you don’t over insure yourself, and it is crucial that you don’t under insure yourself.
Article Source: http://www.articlemotron.com
When you get a home insurance policy it’s vitally important that it provides you all the cover that you need. Whilst buildings insurance is relatively easy to calculate, no two contents insurance policies are the same because no two sets of possessions are the same. The only way to ensure that your policy provides you all the cover you need is by making a home inventory.
Find out how you could save on your household, building and contents insurance cover with Kwik Fit's house insurance.
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