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Your home insurance policy protects more than just the roof over your head.
The things inside it are important to you as well. If your home or apartment was damaged or a burglar broke in and stole your valuables, would you be able to give the insurance company a list of what was stolen? Most people don’t realize how much it would cost to replace what they own. Your furniture, appliances, clothing, sports/hobby equipment, and electronics are all regarded as personal property. When you purchase your insurance policy- you select the amount of money you would be allowed to receive if you had a total loss. If you did not select a high enough amount, you will be upset! What is a Home Inventory?A home inventory is a list of all the items, especially valuables, in and around your home. The best home inventories include photos, descriptions and dollar values of each of your belongings. The more detail, the better!
Note: Your homeowner’s insurance policy covers valuable items such as jewelry, furs, art, and antiques, only up to set dollar amounts, which might not be enough for your situation. If the cost of replacing them exceeds these limits, you may want to purchase Scheduled Personal Property Coverage. Personal Property Home Inventory Summary
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