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Home Inventory Checklist and Homeowner's Insurance

Why create a home inventory checklist?


Though your homeowners insurance policy provides the protection that you need in the
event of a loss such as a fire or burglary, your policy can only pay for items that you can
document. In order to assure that all your prize possessions will be replaced, you should
conduct a home inventory so you have a finite record of everything that you own. This
inventory will assist you in determining which items were destroyed or stolen.

How should you conduct a home inventory?

To complete a full home inventory, walk through every room in your home and identify
all of the contents. It is also wise to take photographs or make a video of all of your
possessions, and keep this media documentation with your list. Then, place all of this
information into a fireproof safe or safety deposit box at your bank.
Periodically update this list as you purchase more items for your home.

How does a home inventory list relate to my insurance policy?

Not only can a household inventory checklist assist you in the event of a loss, it can also
help you determine whether you have enough insurance coverage. Your coverage should
equal the cost of your possessions at today’s prices. Items such as jewelry, furs and fine
art should be appraised on a regular basis to ensure that you have enough insurance to
cover their high-priced value.

Contact one of our helpful team members, once you have completed your home inventory walk-thru about your specific insurance needs. Our offices in Paris, Bonham (Farm N Home Casualty) and DeKalb Texas are here to help you. Serving Lamar, Fannin, and Bowie counties and all of Texas.