Tips on How to Complete a Home Inventory from Allstate05/30/2012
Have you been putting off completing a home inventory? Well it's the perfect time of year to finally finish that home inventory that you have been putting off. June 1st marks the first day of Atlantic Hurricane Season, which runs through Nov. 30.
No matter the time of year, the aftermath of storms can be devastating, leaving people without homes or dealing with major repairs. While we can't predict whether or not our homes will be affected by hail, heavy winds or strong thunderstorms, home owners and renters can make sure their property and belongings are properly protected.
Regardless of whether you own your house, condo or townhome, or if you rent, this next question should be very important to you: If disaster struck your home would you know what you owned? Remember that even though it can take years to collect your possessions, they could be gone in a split second following a disaster like a fire, flood, tornado, hurricane, storm or another peril.
The Allstate Insurance Company recommends that you compile a home inventory to compile a list of your belongings to ensure the proper coverage in your home owners, condo or renter's policy. If your home, condo or apartment is damaged or destroyed in a storm, an accurate and up-to-date home inventory can help make the possible recovery process easier on you and your family.
Here are some tips to help you complete a home inventory:
7 Steps to a Home Inventory…
- Allstate recommends, whenever possible, make sure your home inventory list includes photographs or video of your belongings. If you have a home video camera, take periodic videos of each room in your house. Focus on individual items in each room. Take additional video of smaller items like jewelry, silver, and related valuables or keepsakes. The same recommendations apply if you're using a conventional camera. Be sure to be thorough when taking pictures of your belongings.
- Include with any picture or video home inventory list, a detailed, written account of what you own. Be specific in your written inventory. Whenever possible include make, model, serial numbers, receipts, and date of purchase for all items in your home inventory.
- If you don't have pictures, a written home inventory list is better than no inventory, but make sure you are as detailed as possible.
- Store your home inventory list somewhere away from your home. If you have a bank safety deposit box, keep your list there. If you don't have a safety deposit box, ask a friend or relative to keep your inventory list in a safe place. Allstate recommends, wherever you store your home inventory list, make sure the location is far enough away from your home it won't be lost in the same event that may destroy your house. However, make sure your home inventory list is kept close enough so that it is easily accessible to you when you need it.
- Be sure to update your home inventory after any major purchase or gift. You should be updating your home inventory periodically anyway, but make special effort to do so after any major purchase, holidays, or birthdays.
- If time permits, share your home inventory with your Allstate agent so that he or she can help you decide if your coverage meets your needs.
- Allstate's iPhone application, "Digital Locker," can help. Free and available to any iPhone user, not just Allstate customers, the home inventory tool makes it easy to catalog belongings and keep that vital information in one handy location - right in your pocket.
Coverage and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.
For more information on how to conduct a home inventory, contact your local Allstate agent.
About the Allstate Corporation
The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer, serving approximately 16 million households through its Allstate, Encompass, Esurance and Answer Financial brand names. Widely known by its slogan "You're In Good Hands With Allstate®," Allstate offers insurance products (auto, home, life and retirement) and services through Allstate agencies, independent agencies, and Allstate exclusive financial representatives, as well as via www.allstate.com and 1-800 Allstate®. As part of Allstate's commitment to strengthen local communities, The Allstate Foundation, Allstate employees, agency owners and the corporation provided $28 million in 2011 to thousands of nonprofit organizations and important causes across the United States.
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Contact: John Heid
Phone Number: (678) 589-6102