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Home or Renters Insurance? Be Sure to Inventory Your Personal Property

Do you have a homeowner or renters insurance policy? If so, your belongings are covered. But don’t make the mistake of assuming you’ll remember all your possessions if the worst happens and you have to file a claim. Here’s why having a home inventory is essential and how to do it.

Why You Need a Personal Property Inventory

If your property is damaged in a flood or lost to theft, you’ll no doubt file an insurance claim. But how will you possibly remember all your belongings? Try it right now. Can you list everything in your garage? In your dresser drawers? Most folks cannot.

A personal property inventory is the solution. You’ll be able to detail everything that needs replacement in the event of a fire, storm, or robbery.

An inventory of your belongings is also helpful if you’re not sure how much home or renters insurance to get. Whether you’re purchasing your first policy or considering updating your coverage for a dwelling in Missouri, an inventory can be invaluable.

How to Create an Inventory of Your Belongings

We suggest you take two steps in creating an inventory of your belongings. First, go through your residence and make a list of major categories, such as:

  • Furniture
  • Decor
  • Floor and window treatments
  • Bedding and linens
  • Electronics
  • Large and small appliances
  • Housewares
  • Books
  • Knickknacks
  • Memorabilia
  • Clothing
  • Personal care items
  • Exercise equipment
  • Sporting goods
  • Kids’ stuff
  • Pet supplies
  • Holiday decorations
  • Crafting and office supplies
  • Home office gear
  • Yard, patio, and pool items
  • Lawn and garden maintenance tools

Don’t forget about closets, basements, attics, garages, and sheds. If you maintain a large pantry, add your stored food as well.

Put these items on a checklist. If you do it on your mobile device or laptop, you can store it in the cloud, so you can access it anywhere, any time.

Next, take photos or videos with your cell phone or tablet of the items in each category. For example, write “dishware” on your inventory checklist, and rather than log each separate plate and cup, snap a shot of your china cabinet. Write “clothing” and take a photo of your closet.

What Might Need Special Coverage

Some valuable items may not be covered by a regular home or renters insurance policy. You can easily add them as scheduled coverage for a nominal fee. This includes:

  • Jewelry
  • Furs
  • Collectibles
  • Antiques
  • Fine art
  • Firearms
  • Precious metals

These items should be inventoried and photographed as well.

Do you need help building your personal property inventory or deciding how much insurance coverage you should get? Our independent agents are here to help you. Call Lang Insurance today at 636-229-7000, or reach out online and let us know how we can assist you.