Holidays have come and gone. There's lots of new gadgets, gizmos, jewelry and more in your home. Now's the time to focus on taking a home inventory. Once, or twice, a year it’s important to review your home owner’s insurance policy and make sure you’re paying the right amount of coverage for what’s in your home.

contents of a home

 

Taking a home inventory

I know, taking a home inventory seems overwhelming, but it’s not as bad as you might think. Let’s break it into smaller pieces and tackle this task TODAY.

How to take a home inventory

In this day-and-age, it’s a lot easier to create a list of the valuables in your home. Cameras are your best friend! You probably carry one around everywhere you go, right? Any smartphone owner, or tablet user, has a camera at their fingertips at all times.
  • Walk around your home and take video of the contents of your home.
  • Take a picture of each valuable you own, along with the SERIAL number on the items. If you happen to also have the receipt handy, photograph the receipt, too. 
  • Download both the videos, and photos, onto a USB Flash Drive (you can find plenty of flash drives on Amazon.com or at pretty much any local retailer like Best Buy).
  • Create a list (preferably in Excel or some kind of spreadsheet program) of the items you photographed and include a column to record their serial numbers.
  • Save the list on the same USB Flash Drive, and also print a copy of the home contents inventory list.
  • Collect all the original receipts you have (obviously if the items were a gift, you won’t have the original receipts) and attached them to your printed inventory list.
  • I’m pretty anal, so I also make a photocopy of the CREDIT CARD STATEMENT the purchased items show up on, and attach those to the printed inventory list.
  • Take all of these items and put them in a WATERPROOF safe, and if you can, for even more peace of mind, put the information in a safety deposit box outside of the home.

Review your home owner’s insurance policy

Once you’ve got your home inventory list, contact your insurance agent. You can set up a meeting if it’s Tango, Tango & Tango. We’re conveniently located in Commack on Jericho Turnpike in the Northgate Shopping Center. One of our friendly agents will review your inventory list, as well as your home owner’s policy and make recommendations on adjusting your coverage.

It’s truly that simple. If you have kids, enlist them to help snap photos of items and serial numbers.

Just a reminder: make sure if you’re using your smartphone to video and snap photos, you remember to use someone else’s smartphone or tablet to snap a photo of YOUR smartphone!

 

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