Do you have a Home Inventory?
How do you know what you really have??A home inventory should be completed to keep track of your belongings and valuable items. A home inventory guide is available to all consumers through the California Department of Insurance and you can download it here: Home Inventory Guide.
In addition, the National Association of Insurance Commissioners (NAIC) has launched an app for your iPhone® or Android phone which allows users to create a home inventory of your possessions. The free app lets you quickly photograph and capture images, descriptions and serial numbers, and stores the information electronically for safekeeping. The app organizes everything by room and category, and creates a back-up file for e-mail sharing. You can get further information by following this link at the NAIC.
Photographs of household goods are especially helpful when an item is hard to describe on paper, or if a purchase receipt cannot be obtained. Each photograph should be labeled with date stamps and any additional pertinent information.
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We recommend the following tips:
- Walk around with a video camera, video every drawer and commentary about each item, email to someone offsite; or
- Download NAIC app; or
- Download the CA Department of Insurance paper version of the home inventory guide (or they can mail you one)
A copy of the inventory and supporting documentation, such as receipts and model numbers, should be stored in a safe place, such as a safe-deposit box, work office, or a relative's house. These records should also include financial documents such as insurance policies and mortgage information.
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Home inventories should be updated at least once per year, and your insurance company should be notified of new purchases so that you are adequately insured for the entire amount of your belongings.
You can always call us at the Baldwin Insurance Agency with any insurance related questions at 510-274-9766, stop by our office in the Intero Real Estate building at 3185 Castro Valley Blvd, or visit our website at http://www.baldwininsuranceagency.com
