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What type of coverage do you need?

After purchasing renters insurance, it's time to take an inventory of all the items you own. With a list of personal belongings, you can determine if you have enough insurance, and you can use this list to identify missing or damaged items if you experience a loss. To ensure your inventory list is comprehensive, take the following steps to ensure you don't miss anything.  

Step 1. List Everything in Every Room  

Start the inventory process for your items by walking from room to room in your home. List your clothing, electronics, furniture, and every other valuable in your home. While you are creating a list of everything, you should keep in mind, it's important to be safe instead being of sorry; include everything, even if you suspect your policy doesn’t cover it. You can double check your list by doing a backwards pass of your belongings. A reverse comparison can prevent you identify items you may have overlooked. 

Step 2. Collect Every Receipt You Have  

Although you have renters insurance and your policy covers your personal belongings, your insurance company may not provide you a reimbursement check based on your word and your inventory list alone. To support your renters insurance claim, you should include receipts. Of course, you won't have every receipt of the items you purchased, but the more receipts you have, the faster it can be for you to get a reimbursement check from your insurance company. 

Step 3. Make a Video Recording for Your Renters Insurance  

Advances in technology make recorded video records nearly effortless. As such, you should record a video of all of your belongings to reassure your insurance company you own the items on your inventory list. Once you've made a video of your personal belongings, you should upload the video to secure it in case your smart phone is damaged during the loss event. You can store video using iCloud, Dropbox, and a host of other cloud storage options for free.  

There are a few caveats you should remember to maintain a thorough list of your assets.  

  • Avoid including items you don't have. 
  • Maintain both a physical and virtual record. 
  • Update your records at least twice a year. 

By following these recommendations, you can place your confidence in your insurance company and avoid much of the stress that accompanies experiencing such an ordeal. 

If you don't have renters insurance or you have more questions about getting a policy, call us today. We are happy to recommend a plan today. Additionally, if you have a policy, but you don't have enough coverage, we are happy to recommend additional options for your renters insurance.  

Protect your belongings from the unforeseen. Call The Weimer Group at (215) 723-9805 for more information on Perkasie renters insurance.

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