We understand that sometimes the easiest way to buy insurance is online and the last thing you want to do is talk to someone on the phone, but we also know that what you really don’t want is to find out your cheap insurance (that you bought online in 10 minutes) isn’t going to cover he damage caused by a storm or fire. We are insurance experts, we can help you get the protection you need. Or use a home inventory app to help you compile your list. We work with multiple carriers, which gives us options to find the carrier that best fits your needs. A home inventory can be as simple as a written list, pictures or video. Replacement Cost: coverage for the cost to repair or replace your home and belongings.Įxtended Replacement Cost: extra coverage to rebuild your home, up to 120% or more of the limits on your policy. If you have a fire in your kitchen, for example, you can only refer to your kitchen inventory without going.

Create a sublist for each room By creating a list per room, it’s easier to manage your home inventory and ensure it’s complete.

How many pairs of jeans do you have in your dresser?Īctual Cash Value: Coverage for your home and belongings at the cost to repair or replace the damaged property, minus depreciation. By following a simple, step-by-step process, creating a home inventory can be quick and easy.

How many coffee cups are in your cabinet?.

Have you ever thought about what it would cost to replace every item in your home? Worse, their homes are underinsured by an average of 27%. Imagine if you lost everything you own to a fire and not having insurance to help get your life back on track.Īccording to CoreLogic’s Residential Cost Handbook, about 64% of homeowners don’t have enough insurance. Purchasing insurance isn’t that exciting either, but imagine your life without it. The definitions, conditions, coverages, exclusions and endorsements can cause confusion and give you a headache. We understand that purchasing insurance can be overwhelming. Proper documentation ensures a faster and smoother claims process, as well as maximizing your insurance reimbursement. An insurance claim requires a detailed list of all the items destroyed, damaged, or stolen. Employment Practices Liability Insurance In terms of insurance coverage, a home inventory sufficiently prepares homeowners to deal with potential losses.

Homeowners insurance inventory list