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Home Inventory: The Basics

Choose any room in your home, to begin with. Use a pad and pen to write down everything that you see. Inventory what is on the walls, on the floor, in the cabinets, and in the drawers. Open everything and write down in as much detail as possible what you see. Include brand names, models, and serial numbers if applicable. The more detail the better. If you have antiques, expensive jewelry, and lots of electronics, you may want to get an appraisal to verify the value.

Do the same thing in every room, opening closets, etc. to inventory the contents. When all the rooms are completed, head to the basement and the attic. Throughout your home, take photos of the rooms and the bigger, more costly items.

When you are finished, it’s time to find a safe place to store this important document. If you have a safe deposit box, that is ideal. If not, a fire-proof water-resistant container will do the job. No matter which you choose, be sure to put a copy in the cloud so that, no matter what happens, your inventory will survive.

Reach Out To Us!

No one wants to think about bad things happening, but it is better to be prepared for the worst. Give our office a call at Rich Insurance Agency LLC in Kansas City, MO for all your insurance needs.

Are you a homeowner in the Kansas City, MO area? If so, make sure your most important asset is well protected with homeowners’ insurance. Our team of insurance experts at the Rich Insurance Agency LLC serves the people of Missouri by providing insurance protection for all their needs.

Why Home Insurance?

The level of coverage is one of the most important parts of this coverage. The most common level of coverage is HO-2, which is a broad policy that offers protection against 16 perils listed in the policy. An experienced insurance professional will make sure you are not paying for more coverage than you need.

Here are some things you need to know and understand about homeowners insurance coverage.

Know about any exclusions to the coverage. Most insurance policies do not cover earthquake or flood damage, for example.
Know the dollar limitations on claims
Know the replacement cost of your home
Know the actual cash value of your home
Know the amount of liability coverage

Homeowners insurance protection is necessary because it protects the home and personal property of the homeowner. Insurance becomes the primary source of rebuilding funds in the event of a total loss. It will also provide the liability coverage necessary in the event of any legal action resulting from injuries or damage from someone else on their property.

If you wonder how much homeowners insurance you need, it has to be enough to cover the cost of rebuilding your home if it is destroyed. For your personal property, make sure you have coverage limits that are at least 50% of the dwelling coverage amount. Your liability limits should be high enough to cover all your assets.