Whether you are a homeowner or renter, it's important to protect the personal belongings you keep in your property. Renters insurance is an invaluable policy for anyone who rents a house or apartment, helping to provide peace of mind that their belongings are insured against property damage and theft. The general insurance team at Lighthouse Agency, located in Fairfield, OH, explains which personal items that renters should have covered by their renters insurance policy.

Before you choose a renters insurance policy, you will want to create an inventory of your personal items that have value and determine what they are worth. This inventory can help you in the event you need to make a claim. 

To take inventory, begin by noting the most valuable items in your house and making detailed notes about their actual cost and replacement cost. Taking pictures of items can be helpful for your documentation, as is saving receipts from your major purchases. Keeping track of serial numbers from electronic items can help identify them if you need to make a claim. 

To create an inventory of Items in your house, start with one room at a time. In your living room, include electronic equipment, furniture, any valuable art, and light fixtures. If you have a home office, be sure to list your computers and peripherals, office supplies, filing cabinets, and bookcases. In your kitchen inventory, include electronics, table and chairs, silverware, and dishes.

The renters insurance experts at Lighthouse Agency can help find the insurance policies you need to safeguard your personal possessions. Give them a call at (513) 860-9100 to speak to an independent insurance agent about your insurance needs, or visit them online to receive no-obligation insurance quotes.