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What is the best way to take a home inventory?


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What would happen if you went home one night to find a yard full of fire trucks? Could you list all of the things in your home of value? Could you name things such as kitchen utensils, linens, clothing, or electronics? What if you were to arrive home after a vacation to find that your television and stereo equipment were missing? Could you conclude if anything else was gone?


In that situation, would your insurance cover be enough to compensate your loss? A finished home inventory form gives you a permanent archive of the items in your home, and their value.
In the time of a burglary or any other uncontrolled accident, your homeowner's insurance gives you money to cover the cost of your personal belongings.


To get any money though, you must record your personal belongings before the time of an accident happens, and your home insurance agent has to have a copy of the record. Recording your belongings is known as taking a home inventory, and is something you must do to receive accurate compensation for your lost belongings.


The number one time to get a home inventory is second that you move into a home. It's a lot easier when all of your personal belongings are being moved and in your mind, opposed to when they get shoved away into closets.


Following a fire or other disaster, you will want to get reimbursed for your property by the insurance company, so you will need to give them a list of everything you lost and how much value it carries. If you take a home inventory then you will be able to give the insurance company a full and accurate inventory list. A home inventory is primarily a detailed list of everything that you own.


Photo inventory: Get a camera and begin snapping pictures of your house and your personal belongings. Be thorough and look close into details like fixtures and hardware as well as your personal belongings.


Video inventory: Nowadays it’s like all families has a computer nerd. Put him or her to work on making video recording details around your home with a video camera. Make sure that you take advantage of the voice feature and add commentary about your household items such as the value, and where you bought it.


Written inventory: Inquire to your insurance company or agent about an inventory book, and then make sure to go through your home and record everything. Take notice to the price, and where the item was bought.


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