Create Home Inventory
Complete an inventory of all your belongings to make the claims process easier. Include information such as:
- Price
- Brand
- Serial Number
- Model
- Receipts
- Photos/Videos
The National Association of Insurance Commissioners (NAIC) has a home inventory tool that records all your belongings, groups by room and category, and takes quick pictures.
Once you create your home inventory, stores information off the premises and keep paper copies on hand either in a bank safe deposit box or on your downloaded app.
Store electronic copies of your insurance policy with your home inventory.
Include information like policy numbers, insurer and insurance agent phone numbers, website, and mailing addresses.
Review Your Homeowners Insurance
Examine your policy at least once a year to ensure you know what is and is not covered.
Ask yourself:
- Is my deductible the same for all types of damage? Do wind and hail have different deductibles? Do I have a flat or percentage deductible?
- If my home is destroyed, do I have enough coverage to rebuild?
- If I have to leave my home, will additional living expenses be covered?
- Do I have collectibles like jewelry that exceed normal coverage limits?
- Are my farm equipment and outbuildings covered?
If you are not sure about the answer to these questions, contact your insurance agent or insurance company for more help.
The NAIC provides A Consumer's Guide to Home Insurance that helps understand the policy that best suits your needs.
Additional Information
Damage caused by flooding, including groundwater seepage, is generally NOT covered by a standard homeowners or renters insurance policy.
For more information on flood insurance, visit the Federal Emergency Management Agency's website.
