When it comes time to make a claim with an insurance agency, you want to make sure everything you own is covered. To start, you need excellent homeowners' insurance from a reliable agency. Learn more about how to protect your belongings in the sections below. 

How to Protect Your Belongings With Homeowners’ Insurance 

1. Keep a Detailed Inventory

Make a detailed inventory list and don’t just include big-ticket items like electronics and jewelry. Create a thorough rundown of all the contents of your home. Write down the type of item, original purchase price, year of the purchase, and the serial number if available. 

For clothing, you don’t need to itemize every single piece. Instead, group them by type. For example, list “20 shirts” as one item and provide the total value for all of them together. Once you’ve made an inventory, call your insurance agent to make sure that your belongings are insured to their real total value. Make sure to update this list each time you buy something.

2. Take Pictures & Video Recordings

For each item on your inventory list, you need to take a picture of it. Then, make a video recording of each room in the home. These photos and videos will be the visual record to support your homeowners’ insurance claim if something happens. These are extremely useful in case you encounter a dispute where you have to prove exactly how much was lost or damaged.

3. Keep Copies of All Relevant Documents

Store copies of the inventory list, photos, and videos in multiple places. That includes physical printed copies stored in a secure safe box and digital copies stored on multiple devices as well as in cloud storage such as Google Drive or Dropbox. You should also keep copies of receipts, warranties, and other records of your purchase so you can confirm the dollar value of each item.

With a thorough record including an up-to-date inventory, visual evidence, and receipts, it will be much easier to recover the full value of your belongings on your insurance claim. Call Allstate Insurance Companies in High Point, NC, at (336) 884-5636 or check out their website to get a comprehensive and customized homeowners’ insurance policy. Their friendly representatives offer personalized advice and work with you to prepare a policy that achieves all of your insurance goals.