{"id":8144,"date":"2018-02-03T15:15:06","date_gmt":"2018-02-03T23:15:06","guid":{"rendered":"http:\/\/www.roryc.ca\/blog\/?p=8144"},"modified":"2018-02-02T12:07:22","modified_gmt":"2018-02-02T20:07:22","slug":"how-to-create-a-home-inventory-for-homeowner-safety","status":"publish","type":"post","link":"https:\/\/www.roryc.ca\/blog\/2018\/02\/how-to-create-a-home-inventory-for-homeowner-safety\/","title":{"rendered":"How to Create A Home Inventory for Homeowner Safety"},"content":{"rendered":"<p style=\"text-align: justify;\">When moving into a new home, one of the most important things you should do is create a home inventory. In the event that somewhere down the road, your valuables are lost or stolen, having visual evidence of your property is the best way for insurance adjusters to determine what they\u2019re worth. Unfortunately, many people skip this task.<\/p>\n<p style=\"text-align: justify;\">&#8220;Very often, homeowners learn of the importance of a home inventory after a loss,&#8221; Scott Congiusti, assistant vice president and personal insurance claims director at HUB International Northeast, tells insuranceQuotes.<\/p>\n<p style=\"text-align: justify;\">With all the technology we have today, you shouldn\u2019t feel like this is a monumental job. Creating a home inventory can be as simple as walking around your new property and filming your valuables with a smartphone. Also, there are several helpful apps that you can use to document and categorize your valuables.<\/p>\n<p style=\"text-align: justify;\">Here are five tips to keep in mind when creating your home inventory :<\/p>\n<p style=\"text-align: justify;\"><strong>Don\u2019t get overwhelmed.<\/strong><\/p>\n<p style=\"text-align: justify;\">A decade ago, you would\u2019ve had to use expensive camera equipment in order to create a home inventory, but that\u2019s no longer the case. Most cellphones today have video capacity, so creating an inventory is as simple as hitting record and walking around your house.<\/p>\n<p style=\"text-align: justify;\">\u201cThis does not have to be beautiful, perfectly lit or even that lengthy,\u201d says Jason Hargraves, managing editor at insuranceQuotes.com. \u201cRemember, you\u2019re taking an inventory, not making a documentary.\u201d<\/p>\n<p style=\"text-align: justify;\"><strong>Know what qualifies as a \u201cvaluable.\u201d<\/strong><\/p>\n<p style=\"text-align: justify;\">When creating an inventory, most people understand that things like jewelry and laptops need to be documented, but there are other items around your home that you might not immediately think of as a \u201cvaluable.\u201d Even if they\u2019re older, be sure to film all your furniture and electronics, as well as smaller personal items that may be in closets or drawers. The cost of those will add up if an insurance adjuster is trying to determine what you should be compensated for in the event of a fire or flood.<\/p>\n<p style=\"text-align: justify;\"><strong>Use an app.<\/strong><\/p>\n<p style=\"text-align: justify;\">Encircle, Belongings and Stuffanizer are just a few of the more popular inventory apps available right now. They all come with their own set of features and levels of usability, so take a look at some reviews and find out which is right for you. Keeping your home inventory stored on a drive in your home is the last thing you\u2019d want in the event of a disaster. You should always back your home inventory up on a cloud service, but apps also have the benefit of allowing you to access your inventory from anywhere by logging into a phone that has the app downloaded onto it.<\/p>\n<p style=\"text-align: justify;\">\u201cThey say there\u2019s an app for just about everything, and that goes for taking a home inventory, as well,\u201d says Hargraves. \u201cIf an app is the route you want to go, just pick one that you\u2019ll be most comfortable using. Even the most basic app should suffice for a home inventory.\u201d<\/p>\n<p style=\"text-align: justify;\"><strong>Get a rider for expensive items.<\/strong><\/p>\n<p style=\"text-align: justify;\">When dealing with things like jewelry, rare antiques and high-end art, you should first have an insurance rider, which is additional coverage offered at an extra cost for your homeowner\u2019s policy. For items that are worth thousands of dollars, you should still shoot a video from as many angles as possible, but you can\u2019t rely on the inventory alone. Hargraves suggests taking photos or videos of any appraisals related to these items and documenting them digitally, as well.<\/p>\n<p style=\"text-align: justify;\"><strong>Don\u2019t fret too much over your wardrobe.<\/strong><\/p>\n<p style=\"text-align: justify;\">Of course, if you have expensive dresses or suits, be sure to film these and take the time to point out the labels, but it&#8217;s not worth it to sit and document every piece of clothing you own. Take a simple video of what\u2019s inside your closet so an insurance adjuster will have an idea of the amount of clothes and shoes you own.<\/p>\n<p style=\"text-align: justify;\">\u201cIf you have replacement insurance instead of actual cash value, you might want to take care to document any super high-end items,\u201d says Hargraves. \u201cHowever, if your wardrobe is full of the latest couture, you might want to consider a policy rider.\u201d<\/p>\n<p style=\"text-align: justify;\">With a home inventory, you\u2019re preparing for worst-case scenarios. Most people don\u2019t like to even think about their new home flooding or burning down, so folks will often push it out of their mind and never create a home inventory. However, if you follow the tips above and create a simple account of your valuables, you\u2019ll be prepared to present your inventory to an insurance adjuster should it ever be necessary.<\/p>\n<p><a href=\"http:\/\/blog.rismedia.com\/2018\/homeowner-safety-create-home-inventory\/\" target=\"_blank\" rel=\"noopener\">Homeowner Safety : How to Create A Home Inventory<\/a> by Jameson Doris | RISMedia housecall<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When moving into a new home, one of the most important things you should do is create a home inventory. In the event that somewhere down the road, your valuables &hellip; [<a href=\"https:\/\/www.roryc.ca\/blog\/2018\/02\/how-to-create-a-home-inventory-for-homeowner-safety\/\">read more<\/a>]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-8144","post","type-post","status-publish","format-standard","hentry","category-home-lifestyle"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Create A Home Inventory for Homeowner Safety &#8226; Rory C Real Estate | Oakwyn Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.roryc.ca\/blog\/2018\/02\/how-to-create-a-home-inventory-for-homeowner-safety\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"How to Create A Home Inventory for Homeowner Safety &#8226; Rory C Real Estate | Oakwyn Realty\" \/>\n<meta name=\"twitter:description\" content=\"When moving into a new home, one of the most important things you should do is create a home inventory. 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