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- Home Inventory 3 7 2 – Easily Inventory Your Possessions For A
- Home Inventory 3 7 2 – Easily Inventory Your Possessions One
According to the FBI, over 2 million burglaries were committed last year. What would you do if it happened to you?
What about all the natural disasters we just lived through (hurricanes Katrina, Rita and Wilma). Hundreds of thousands of people lost everything!
A home inventory lists your home’s contents, descriptions of the items, dates of purchase, their cost at time of purchase, make, model and estimated current value. It serves as a guide to understanding and protecting what you own. An inventory works with your home insurance coverage to protect your possessions, whether they’re stored in. The Easiest Way to Start a Home Inventory. There are many home inventory apps available to help, but the easiest way to start your home inventory is by walking through your home and capturing video. A video alone will not be enough in a home insurance claim, but if you have one, you can use it as a reference to make an itemized list and it can. Choose your “counters” wisely. Don’t assign your inventory counts to just any employee. The group conducting your stock counts should consist of seasoned employees as well as those who can provide fresh eyes. You’ll need seasoned team members, as these employees would be more familiar with your policies and the location of different. What You Own home inventory is free software, which assists you in taking inventory of your possessions. Open and continue working with Know Your Stuff Home Inventory files. This is the only software, which imports all of your images and receipts just as they were in your original inventory projects. What You Own Home Inventory Features:. Easy. Here are some of the best home inventory apps available: The Liberty Mutual Home Gallery App. This free tool documents your items and keeps track of purchase date, price, model number and its.
I am usually a very positive person but it appears that burglaries as well as natural disasters are becoming a more frequent part of our lives.
Millions will not get what they're owed!
Did you watch the news! Do you remember seeing images on TV of folks sifting through their belongings trying to find anything that was salvageable? Most of it was unrecognizable.
How can they file a claim when they don't even know what they've got!
You have to be asking yourself, 'Would I be prepared if a disaster (whether natural or man-made) struck my home today?' Most people would have to say, 'No.' Would you?
Remember a disaster can be anything from a fire or flood to a hurricane or earthquake. It can even be a burglary. Don't think it has to be something catastrophic!
In 7 easy steps I will show you how YOU can be prepared just by using a camera and the Internet, but before I do..
'Ask Yourself These Questions'
- Are you prepared to rebuild your life if a disaster strikes?
- Could you tell the insurance company everything that you lost?
- How much do you stand to lose?
- How much money are you willing to throw out the window?
- Are you taking charge of your money and possessions?
'What About Your Heirlooms?'
Did you ever think that someday you would 'hand down' some of your keepsakes to your son, daughter, grandchild or favorite charity? If you fall victim to any of the dozens of possible natural or crime-related disasters, you may never get the chance to see those items go where you intended them to go!
Even worse, you may not be fully compensated by your insurance company in the event of the loss of your valuable heirlooms!
How would you like to have all your valuable inventory information easily available - at your fingertips - and be able to account for every item in your house or apartment, if a disaster strikes?
Most natural disasters happen so frequently in certain areas of the country that people become complacent about taking precautionary action. Even in so-called 'safe' areas, like the West, unexpected disasters such as flooding, lightning and fire can strike. Wouldn't it be nice to know EVERYTHING you own before a disaster strikes? Completing a home inventory will give you that peace of mind should a natural disaster hit unexpectedly.
As vital as an inventory is to your well being, I can certainly understand why you might not have one yet. You may simply not know how to create one or where to start. It may also seem complicated and time-consuming!
By using this FREE easy-to-use e-book 'Take Stock of What You've Got!' you can quickly and easily document your memorable possessions and store them in a safe and secure place.
'I've Been Robbed!'
My name is Debbie Rochlin. Let me tell you why I created this book. I have been the victim of several break-ins. I wanted to share my experience with you so that you can be prepared in case this happens in your life.
We always say, 'it will never happen to me,' but sometimes it does!
I remember the sickening feeling when I came home and my house had been ransacked. I felt violated! The thought of someone in my home, touching my possessions, going through my private personal items, rummaging through my life. The worst part was that they took the antique watch from Russia that my grandmother had given me. There was no replacing it, EVER!
Can you imagine someone breaking into your home while you are out shopping or at work? They are there with only one purpose -- to steal what you worked so hard for. Just thinking about it still makes me feel sick.
Like you, I work hard for my money, and letting some thug get away with the wealth, which I have accumulated, is just not right!
If I had only done my homework I would have been able to get it all back from my insurance company. Beside, isn't that why you pay those high insurance premiums, so you can collect when a disaster strikes? It never lessens the feeling of being violated, but at least I wouldn't lose financially.
When I went to tell the insurance company what I had lost, I missed several valuable items. I thought I knew everything that was taken, but months later I remembered several items.
I tried to file a claim for the additional $2500 loss, but unfortunately found out that once a claim is closed, THAT'S IT!
UNFORTUNATELY, if I had taken the time to do an inventory of my possessions, at least I would have been compensated fairly.
By using the 7 easy steps in 'Take Stock of What You've Got!' you can spare yourself the heartache I endured by not being prepared. You won't have to learn the hard way like I did, not once but three times, because I didn't take my own advice.
'Take the Home Quiz that ALL Homeowners FAIL!'
Find an easy chair in your living room, sit down, close your eyes and list out-loud everything you have in your living room. I mean everything -- furniture, pictures, lamps, rugs, books, CDs, the picture of your grandmother in a silver frame, stereo -- everything!
Now open your eyes and see if you were correct. Well, how did you do? Not good, eh? Isn't it just amazing to think, that when we're asked, we can't list everything we have. And, that's just in one room! Well, the same thing will happen when you have to report to the insurance company what's missing.
'Isn't complete peace of mind worth a fun, easy day of your life?' Get your kids involved. Find those hidden treasures! With this free book 'Take Stock of What You've Got!' in 7 easy steps you can rest assured that if anything happens to your home you will be compensated fairly.
'Do You Live Your Life on 'If Only?'
- If only I had taken out that flood insurance?
- If only I had put away my jewelry, I would still have it?
- If only I had taken stock of my belongings like I said I would?
If Only! If Only! If Only! Don't live your life on 'If Only!'
DON'T BE A VICTIM OF A DEVASTATING FINANCIAL LOSS WHETHER BY FIRE, FLOOD, CRIME, NATURAL DISASTER OR YOUR OWN MISTAKES!!!
Download your free copy of 'Take Stock of What You've Got!' It's the most inexpensive, easiest peace of mind tool you will ever get and it's FREE!
'Here's What YOU Will Get With Your FREE Book'
HKnow What You Own - by creating an inventory you will be able to see all the things you own. You may even find some hidden treasures?
HEasy-to-Do - creating an inventory of your possessions can be done in a short period of time in the comfort of your own home. Make it a family project!
HPeace of Mind - by following the easy steps in your free book you will be prepared when a disaster strikes.
HMaximize Your Insurance Claims - when a disaster strikes you will be prepared to give your insurance agent a full list of missing or damaged items.
HInexpensive to Create - this free book will show you a very inexpensive way to document your cherished belongings.
HA Good Night's Sleep - when you know you have your valuables properly itemized you will sleep better.
'Discover What Others Are Saying..'
By using your book 'Take Stock of What You've Got!' I was able to quickly document my possessions. I wish I had this information before my house was broken into. I later remembered several items, which I had forgotten to tell my insurance company about. (Once the insurance claim was closed they would not reopen it.) Thank you Debbie for creating such an incredibly easy way for me to know what I have. What a relief! Paul Shaw |
'7 Easy Steps is ALL You Need!'
By downloading and reading my free book 'Take Stock of What You've Got!' you can have total peace of mind that if a disaster strikes you will know EXACTLY what you have lost. By following the 7 easy steps in my book, you can EASILY create a complete home inventory in a short period of time. And, this isn't just for your home! You can also apply these same simple steps to your office and to your car.
In my book I will show you how using a camera (digital or non-digital) and storing your photos on the Internet, on a secure website, can FINALLY give you peace of mind knowing that whatever disaster strikes your home, all your efforts will not be washed away!
'There Is No Excuse To Put Off This Important Task Anymore!'
You can feel assured that if a disaster hits, you're protected. Look at what the 7 easy steps in 'Take Stock of What You've Got!' offers you:
- Easy to do
- Home protection
- Protect your valuables
- Be prepared before disaster strikes
- Eliminate hassle
- Preserve your memories
- Preserve your heritage
- Inexpensive to do
- Know what you have
- Ease of working with your insurance agent
'Don't Let This Happen To You!'
You come home from a fun weekend and find that your home has been ransacked! You frantically try to remember everything you owned. No matter how much you think you can remember you always forget something. Or worse, a natural disaster hits and you lose everything. Can you tell the insurance company what you owned?
Remember, millions of hurricane victims will only get the minimum settlement from their insurance company, if that!
'Download Now!'
By downloading NOW you will also receive 2 Great Bonus Gifts to get YOU STARTED!
Free Bonus Gift #1 (Home Inventory Sheet $19 Value)
Use this free home inventory sheet to write down serial numbers, dates of purchase and manufacturer information.
Use this free home inventory sheet to write down serial numbers, dates of purchase and manufacturer information.
Free Bonus Gift #2 (Crime Prevention Tips $19 Value)
This free guide will provide tips to help you prevent a burglary.
This free guide will provide tips to help you prevent a burglary.
I hope this information will help save you the anguish I went through with my burglaries.
Warm Regards,
Debbie Rochlin
[email protected]
[email protected]
P.S. - If a disaster strikes tonight would you be prepared? Get your FREE book NOW and get peace of mind!
P.P.S. - Why suffer through the loss of household valuables. This step-by-step book will protect you!
P.P.P.S.- Act Now! Download your FREE e-book TODAY! This information will prepare you for any disaster. Download it, read it, do it and achieve peace of mind. It's worth it!
Updated on Thursday, March 19 2020 Cisdem document reader 5 2 0 8.
A home inventory makes it easier to file homeowners insurance claims and can help you find gaps in your coverage.
To file a homeowners insurance claim, insurers usually require documentation of the damage. That’s where a home inventory comes in. Having a detailed list of the items in your home can ease pressure in the stressful scenario of filing a claim. It lets you focus on what matters most: protecting your home and family.
Compiling a home inventory is a daunting task, but there are a handful of ways to make it less painful. The following tricks, tools and apps can help make your life easier.
Creating a home inventory
Homeowners insurance covers your personal property, so if it is damaged, you'll need proof of your loss to file a claim. That means you’ll need a record of your belongings, including details like their value. Imagine a fire devastates a bedroom in your house: can you remember everything that was in the room and how much you paid for it?
In order to be reimbursed for your belongings, from your mattress to electronics to clothes, the insurance company will most likely require proof of it. When it’s time to start your home inventory, we recommend including the following information for all of your belongings:
- A few photographs and videos.
- A description.
- The make, model and serial number.
- Receipt (or approximate purchase date and location).
These four pieces of information are not exhaustive, but are a great start. Some possessions — custom jewelry, for example — may need additional documentation, like an appraisal from a jeweler.
Don’t forget to list stuff in your basement, attic and garage as well. If you have belongings stored in a rental storage unit, make sure to include the items in your list, too.
Every item you don’t document is an item for which you cannot be reimbursed if it is destroyed. That means in order to maximize your claim amount, a detailed home inventory is one of your most powerful tools.
Tips for getting started
We know getting started can be a daunting task, so here are several ways to make it more manageable:
Break it down: Picking a single room or part of a room is a great way to begin making a home inventory. Choosing a single closet or desk area, for example, can help you gather momentum and find an organization system that works for you.
Stay organized: Finding a system that works for you is key to having a successful home inventory. If you like and understand the system you choose, it will be easier to keep your inventory updated.
Include photos and videos: Photos and videos that show the undamaged condition of your belongings is a quick and easy way to document them. You can take photos and videos of individual items, but also entire rooms. We recommend saving these photos and videos in a clear, organized way, including descriptive file names.
Keep a backup: You should keep a backup copy of your home inventory, especially if you decide against a digital home inventory. Keeping a copy at a friend’s, neighbor’s or family member’s house can insure your home inventory isn’t lost in a disaster. If you have a digital home inventory, make sure it's saved on more than just a single, locally stored file — what if your computer is damaged or stolen?
Update it: Updating your home inventory as you purchase new items is important. Disaster strikes at unpredictable times, so you should always be prepared. If you purchase an expensive item, add it to your inventory quickly. Reviewing your inventory once a year — maybe as part of renewing your homeowners insurance policy — can help prevent any of your valuable possessions from slipping through the cracks.
Home inventory apps and online tools
Handwritten lists are no longer the only option for keeping track of your belongings. There are many home inventory apps for Android and iOS smartphones, as well as software available to quickly put together a clear, comprehensive inventory list.
Here are a few popular options for home inventory services:
- Sortly
- Encircle
- Nest Egg
- Itemtopia
- MyStuff2 Pro
- HomeManage
- BluePlum Home Inventory
- Magic Home Inventory
- Smart Inventory by NonZeroApps
- Memento Database
Using one of these services can take some of the pain out of organizing your own home inventory. Many of them make it easy to organize by room and item type, and some even come with barcode scanners. These let you scan an item to keep track of serial numbers.
If working with pen and paper is still your preferred means, there are plenty of options for you. Take a look at what your home insurer has on its website. If a hardcopy list is the way you want to go, they might have a home inventory list template they prefer using.
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Lastly, if you find that you don’t have the time or your inventory is unmanageable, there are companies that come to your house to create your home inventory for you.
Home inventory of special items
Most homeowners have a standard home insurance policy, which is called an HO-3 form. The HO-3 has “Special Limits of Liability,” which are coverage limits that apply to specific item categories. These items are classified differently than the rest of your property and may not have as much coverage. Included items are:
- Money, bank notes, bullion, gold and coins.
- Watercraft and related furnishings and equipment.
- Trailers and semi-trailers.
- Theft of jewelry, watches, furs, precious and semiprecious stones.
- Theft of firearms and related equipment.
- Theft of silverware, goldware, platinumware, pewterware and flatware.
This is not an exhaustive list, but it highlights some important categories. You should ask your agent about your policy’s limits of liability. For example, the jewelry limit of liability is often $1,500, which can easily be exceeded. Making a home inventory is a good way to find out if you have gaps in your coverage.
If you find that you have insufficient coverage for some of your belongings after reviewing your policy with your agent, you have a few options.
You can try to increase your coverage with a rider or endorsement. Riders and endorsements increase your special limits of liability on certain possessions. For example, many companies allow a jewelry rider that increases your coverage limit.
If you can't add a rider to your current homeowners policy or think it's still insufficient, another option is a separate insurance policy altogether. There are insurance policies for valuable items like art, jewelry and other collectibles.
Bottom line
A detailed home inventory is one of your most powerful tools if you have to file a homeowners insurance claim because it proves the condition of your belongings before a loss.
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Keeping a list of your stuff also helps you verify that you have enough insurance coverage for your property. It can identify gaps in your coverage, which could prevent you from receiving a full reimbursement after a loss.
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