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What type of coverage do you need?

By: Andrea Moyerchecklist

Have you ever heard of a Round Tuit?  I received one the other week and had no idea what it was until I read the inscription:

This is a Tuit.  Guard it with your life as Tuits are hard to come by, especially the round ones.  This is an indispensable item.  It will help you become a more efficient worker.  For years we have heard people say, “I’ll do it as soon as I get a round tuit.” Now that you have one, you can accomplish all those things you put aside until you get a Round Tuit!

This amusing benediction is printed on a little inch-wide disc that I keep on my desk, ready to pass on to anyone whom I fear may be wading into the perilous pools of procrastination.  This is not by any means a criticism, but more of a playful reminder to avoid putting things off, a habit of which I also am profoundly guilty.

With that end in mind, I say to you that today is a good day!  It’s a good day to start doing those things you’ve been putting off all year until, as the aforementioned token suggests, you get around to it.  Actually, February is a great time to set aside some time each day and tackle these things. It’s cold and the weather is less than cooperative, so outdoor tasks are not an option. You might even find yourself housebound due to inclement weather.  Apart from President’s Day, there are no major holidays to prepare for, so why not make the most of your time indoors and check a few items off of your To-Do list?

If you’re up for this challenge, one of the best ways to start, from an insurance agent’s perspective, would be to document what’s in your home.  I know that must sound a bit tedious, but there’s a good reason to do this now and not in the middle of a disaster and that is because everything is there. It’s right in front of you, ready at hand and is neither floating around in a sea of debris nor charred to a crisp. 

Not sure where to start? That’s OK! We’ve included a link on our homeowners insurance page and you can also use your phone to walk through the house and take pictures of your valuables.  We have an inventory booklet available at both of our locations (Perkasie or Harleysville).Once you’ve completed this surprisingly simple task, you’ll want to keep the documents and photos off-site and in a safe, indestructible location (such as a fireproof safe or safe deposit box) so that they’re available in the case of a loss.

I don’t know about you, but once I’ve geared myself up to complete those pesky tasks that I’ve long put off, I have a renewed sense of pride and satisfaction knowing that it’s checked off my to-do list.  On a good day, I might even find it in my heart to tackle a few more tasks.  It’s encouraging how far a little diligence will go! 

Are you still tempted to put it off?  I completely sympathize, but press on: think of the cost of having to replace all of your possessions in the event of a disaster.  I recommend our home inventory booklet because it’s compact yet comprehensive.  Maybe this has also generated thoughts about homeowner’s insurance.  Do you have it? If not, call one of our offices today and our agents will happy to give you a quote.

The Round Tuit still sits here on my desk – I like to keep it as a constant reminder to shun procrastination and seize the day.  I’m quite loath to part with my Tuit, but I will if it will help others to shun procrastination, too.  Today is a good day, so take advantage of it!  Get those tasks done and off your mind and before you do, remember to stop by our Perkasie (215-257-9171) or Harleysville (215-723-9805) offices and grab a home inventory checklist for yourself.

Also Read: Estimates: 20% of Homeowners Are Underinsured

Posted 11:31 AM

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