However, it’s best to be thorough, so take as much time as you need.Īt minimum, your home inventory should feature an organized list of your possessions. How do I create a home inventory?Ĭreating a home inventory usually shouldn’t take longer than an hour or two. It saves you the stress of estimating the value of everything you lost right after the disaster happens. Having a contents list that you can check makes the claims process faster and easier. You need to know what’s been damaged and how much it was worth for your insurer to properly reimburse you. Of course, having a home inventory also comes in handy when you file an insurance claim.
Knowing the value of your property makes it easier to figure out how much coverage you need, which is one of the first questions your insurer will ask you when you buy a policy. Having a home inventory helps you do two things:Ī home inventory tells you how much your personal property is worth.
What is a renters insurance home inventory for? You also shouldn’t include furniture or appliances that belong to your landlord, not to you. However, you shouldn’t include motor vehicles, because renters insurance doesn’t cover cars or motorcycles. Your home inventory should include almost everything you own, including items you’re borrowing and items stored off-premises, both of which are covered by renters insurance. In renters insurance, a home inventory, also known as a contents list, is a list of all of the personal possessions that your renters insurance policy will cover, along with each item’s approximate value.
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