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A personal property inventory can help you determine whether you have all the insurance coverage you need. Here’s how to create and maintain a checklist your possessions:
1) Start with a basic list of what you own and how much it is worth. If items appear valuable, but you’re not sure of their worth, have them appraised.
2) Be sure to include items kept in safe deposit boxes, storage facilities. Make sure to check drawers, closets, basements, crawlspaces and attics.
3) Take a video camera through each room of your residence. Filming possessions can help you verify ownership in the event of a disaster or theft.
4) Keep receipts for big ticket items.
5) Update your list when you make major purchases or receive expensive gifts.
6) Make several copies of the inventory and video. Store at least one outside your home – in a safe deposit box or as a virtual copy online.
Remember that your homeowners policy may exclude some expensive items, or limit reimbursement to below replacement value. An independent insurance agent can help you obtain additional coverage for your heirlooms and most valuable items.
All Nevada Insurance can help Las Vegas residents with their homeowners insurance and renters insurance needs. To learn more, contact us.
