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Have a homeowner’s insurance check-up with your Home inventory

By admin | January 20, 2010

I usually send this reminder out in early January each year, but I decided to wait a couple of weeks so that it wouldn’t get lost in all of the New Year’s Resolution emails we all got bombarded with. 

As you know, keeping your MyDisasterPlan.com account updated with the most current documents and information is critical if your disaster preparedness plans are going to be successful.  This is a great time of year to log in, take a look around, and make sure you’re updated. 

This is also a perfect time of year for a homeowner’s (or renter’s) insurance check-up.  I know, moans and groans from lots of you, but it doesn’t have to be a painful experience…here’s the best way to handle it. 

1. Update your home inventory in MyDisasterPlan.com (don’t forget all of those cool Christmas gifts you just figured out how to use)
2. Print out a “Property Report” from the report menu
3. Make an appointment to sit down with your insurance agent for a check-up.
4. Go to your meeting and share your home inventory with your agent, then discuss your coverage

That’s it!  With the your home inventory, your agent can see photo’s, costs, serial numbers, locations, etc of all the important items you own, and pictures of all the rooms in your house.  You will find out if you have the right coverage for your family’s belongings, and have a chance to correct any gaps in your coverage. 

I am going to give you a quick warning, however…I recently had a friend explain to me that they intentionally left a few of their more expensive pieces of jewelry and electronic equipment out of their inventory when they met with their agent.  They figured that their insurance rates would go up too much if they included those items.  This is insanity!  They are choosing not to insure some of their most valuable assets.  Doing this all but guarantees that these items won’t be covered if they’re destroyed or stolen.  Just be honest with your agent, you might be surprised at the options you have to cover these items.

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