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Home Inventory Checklist

In the Event of a Loss, Ensure You are Protected!
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Do you have one? Do you know why you should create an inventory checklist? We do and here's why:
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 fire-proof safe or safety deposit box at your bank.  
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 and scheduled separately on your policy to ensure you have enough insurance to cover their high-priced value.
AOGF has a detailed Home Inventory Checklist we'll be glad to provide to you. Please call or email your agent to request one. The checklist is also available on this website. Once you have completed your home inventory walk-thru, contact us for additional assistance with your insurance needs.
*Information courtesy of Zywave, Inc.
*The information, principles, suggestions and examples contained in this newsletter are general in scope and have been developed from sources believed to be reliable. This is not legal advice nor has any attempt been made to interpret any codes, laws, standards or regulations. Associates of Glens Falls, Inc. or any of its employees accepts no responsibility for the correctness or completeness of this material or its application to specific factual situations.