If you truly want to make things easier on yourself, it's always a great idea to make a "Household Inventory List". Writing down/creating a spreadsheet and/or a video of your household belongings and having it stored in a safe place will make filing an insurance claim on your homeowner's insurance a lot less stressful!
Just remember, speak to your insurance agent before actually filing a claim with your insurance company. It may be cheaper and easier to replace the items yourself rather than paying your homeowners insurance deductible and having a claim filed on your homeowner's insurance policy that will stay on your record for the next five years and impact your future insurance premiums.
Start room-by-room by making a list of your belongings. Taking a picture/video of each item along with a make/model # or serial #/ID number that will also be an added benefit. Here is a list of what we suggest including in your spreadsheet:
1 - Room (livingroom, kitchen, master bedroom, etc)
2 - Item/Description
3 - Make/Model #
4 - Serial #/ID Number
5 - Date Purchased (keep the receipt stapled to the owner's manual)
6 - Where Purchased
7 - Purchase Price
8 - Estimated Current Value
9 - Notes (anything specific about it that might help an insurance adjuster if a claim is filed in the future)
10 - Photo (take a photo of each item (maybe it's just the more expensive items such as T.V.'s, furniture, household appliances)
Having a spreadsheet or video to reflect on later will you save you and your insurance agent and insurance company a lot of time if a claim is ever filed. Having proof of everything is an awesome tool to have in your back pocket. If you don't want to keep a spreadsheet I would suggest taking a video of each room with the belongings in it periodically and saving it on a portable hard-drive you can store in a fireproof/water resistant safe.
** When purchasing new items for your home try to remember to keep the receipts attached to the owner's manual and store them in a 3-ring binder so you can easily access them for a warranty issue or insurance claim in the future.
If you or someone you know are needing to build positive credit to help potentially decrease your insurance premiums at time of renewal or when insurance rate/quote shopping you can access your credit reports and credit scores, review them in detail and get help increasing your credit scores at ScoreNavigator. ScoreNavigator is also a fantastic asset when you want to learn more about credit, credit scores, budgeting, finances, and much more!
If you don't have a credit card (which accounts for up to 30% of your credit score) you also obtain up to two (2) per credit cards person on our website or by click the link here for secured credit cards. No minimum credit score required!
Hometown Insurance Agency of Utah prides itself in helping others, not only save money on their home, auto other other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance is about insuring what matters! And if needed, we can make a house call. We have clients with small children and elderly clients that feel better about meeting in person at their home and if that what it takes to help them out, then that's what we'll do. We've traveled from Preston, Idaho to Layton, Utah to make a house call when needed, some we've even delivered homemade cookies to! Like we said, our clients become our family and that's what makes Hometown Insurance Agency of Utah special!
We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!
Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.
If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.
180 North Main Ste C
Logan, UT 84321
Email: jill [at] hometowninsr [dot] com
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