Catalog Your Belongings. Be Ready for a Personal Property Claim.
Why Do You Need a Home Inventory?
You have homeowner’s or renter’s insurance to protect not only your home, but everything inside it if disasters strikes, right? You need a home inventory because you don’t just love your home – or condo, apartment or townhouse. You love what’s in it. Your furniture, artwork, electronics, kitchenware, sports equipment, clothing, jewelry and so much more.
And, when you add it all up, your personal belongings are usually worth more than you realize – $20,000, $40,000, maybe even more. It’s important to know how much, and to know exactly what you have, in case you ever need to file a personal property claim with your homeowners insurance or renters insurance carrier.
You might file a claim for the theft of your jewelry and electronics. Or, for the loss of all your possessions due to a fire. In these and other cases, would you know exactly what was missing and remember its cost or appraisal value?
With a home inventory, you don’t have to remember or guess. You have a record of everything you own, and you can easily submit it to your insurance carrier. It makes the claims process easier for everyone and comes to your aid in a stressful situation.
Your homeowners insurance or renters insurance should include personal property coverage to help you when your valued belongings are lost, stolen or damaged (check your policy for specific details). So, be sure you’re able to take full advantage of your coverage when you need it. Create your home inventory now, before something happens and you’re left wondering exactly how much you paid for your stereo system or how many karats your heirloom diamond earrings contained.
One of the best ways a homeowner or property owner can prepare for the unexpected is by creating a thorough list of personal property before a claim occurs. While it’s always suggested that you keep a list along with a video of your household items, that process just became much easier with the help of the new Safeco® Home Inventory App.
The app is available as a free download for all iPhone and iPad users, regardless of their insurance provider. With the app, customers can snap photos of their belongings, categorize them and add important details, such as purchase price.
One of the key features of the app is the ability it gives customers to save their inventory list to Safeco’s secure cloud storage. That means customers will have access to their home inventory list anytime, anywhere. To take advantage of the free cloud storage, customers simply register while in the app.
Home Inventory App Features
The Home Inventory app makes it easy to catalog all of your belongings, from the big things you use daily, like your sofa, to the little things that tug on your heartstrings, such as jewelry. You can:
- Catalog items by room and/or by category.
- Take and store photos, scan barcodes, record purchase prices and enter other item details.
- Quickly browse your belongings in a virtual gallery.
- Save your home inventory as a spreadsheet or a PDF.
- Upload your inventory to secure cloud storage for free in case your mobile device is ever lost or damaged.
As always, please call or stop by our office if you’d like us to review your coverage to determine if your property is properly covered or if you need to consider scheduling items or increasing your personal property limits. You may find once you catalog all of your belongings you may have more value in your personal property than you realized. In the meantime, try out this free app and see what you think.