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More Free Home Insurance Information

A picture says a thousand words. It also proves ownership of personal property, and it's a condition for home insurance coverage.


The following home insurance information will explain in more detail about home insurance claims, your inventory list, photo/inventory of belongings for proof of property, and their value.

Home Insurance - Inventory Tips:

• Keep receipts along with the description of the item.
  
  
• Record serial numbers of small appliances and other theft-prone items.
  
  
• If doing an audio or video inventory, start in one corner of the room and work your way around until you cover the whole room.
  
  
• Don't forget to take inventory of closets, attics, and basements.
  
  
• A detailed record of antiques, jewelry, silver, sporting goods, major appliances, and collector's items is very important.
  
  
• Appraisals are also important. Include the name and address of the appraiser on all appraisals.
  
  
• Keep your inventory up-to-date. How often you need to update it will depend on when you make new purchases.

         Home Insurance - Photo or Video Tips:

• Use a camera with a flash or a video camera that can record in all kinds of lighting.
  
  
• Use color film / video tape for more detail.
  
  
• Start at one side of the room and take shots 360 degrees first, then take close-up shots of important items.
  
  
• Make sure to get any signatures on artwork, china, crystal and high-cost electronics.
  
  
• Take pictures of drawer, shelf, and cabinet contents, making sure to take pictures with drawers and cabinets open. Then move in for close-up shots of the contents.
  
  
• Work your way from room to room, taking shots as you do to show the entire household. This way each room is shown to be a part of your home.
  
  
• Take some shots with you or a family member in the shot to verify that these are your belongings.
  
  
• Take shots from outside your home, showing the street name and address. Then continue into your home. This verifies that the shots you are taking are from within your home.

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