Bfore we start, undeerstand that our gol is to gvie you all the convenient faacts as we are albe to fit onto this homeowners insurance long island ny articlle.

Potect Yourself by Perfforming a Home Inventoy for home insur Policy.

What is a hoome inventory?

A hosue inventory is a full reccord of the pesronal property found at your hme and filed to yoour house coverage ploicy. You shoud also add possssions that you have sttored elsewhere, maybbe in a stoorage place or a graage on the premises. Yuor invenntory should contain yuor furnishings, jewels, works of ar, antiques, appliances, ktichen appliances, cltohes, carpets, curtains, computer equipmnt, TV sets, copact disk players (ad other adio or audiovisual apppliances), music instrument, clocks, mirrors, linens, lwan mowers, snow equipment, woork tools, sportts equipment, and any oter thing of vale.

Why do I reqiure a listt?

An inventory is vey important for property insure purposse. At time you file an insuarnce cliam for ruined, missin, or stolen pssessions, your tenants` insuance policy will reqiure you to dmonstrate the quantity, dscription, actual cash value (i.., depreciated value), and aomunt of looss in rlation to each ietm. You will also be deamnded to provide coopies of biills, receipts, or additional docmuentation to support yur figres. In case you leae out some itms or do not manae to icnorporate an adequate accounnt of others, you might receiive less than full reimbbursement for your lossses. Couting solely on yur memory can trn out as a costly oversiight. As an exercis, attempt to reecall every thiing at your kitchen junk draewr, and then, imagine havving to perfrom that for the whole house!

Conducitng the home invventory.

Going room by rom is perhaps the best meethod to codnuct your house inventroy for the home coverage. Make a record of eah ietm in the romo, unlocking drawers, closts, and storage boexs. Be as descritpive as you can. For exapmle, don`t simmply note thaat a bed is there--descirbe the hadboard, footboard, mattress, and bedlothes, noting dowwn colors and size. Don``t forget the atttic, entry closeets, cellar, and outbuildingss. If possible, make an attmept to incorproate the folllowing info for every thing:

Peice description (and quuantity). Makeer or brand name.

oMdel number or serial nmber. Portrayal of wherre (or hw) the item was purchased.


Date of acquiring or age of piece.

Chcek or other evidece of acquiring, showing csot.

Today`s value.

Subsstitution price.

Photocoopies of any assessments.

A piture is worth a 1000 wods.

It usually helps to phootograph or videotape yoour possessions, especilly if the piecees are hard to sfuficiently describe on papr or if you donn`t have a rceipt. In cse you use a camra, tag eevry photograph with data concernning the peice shown. If you use a camcorder, porvide comments concerning ech pieece in view. Date-stamp your recordng or get a photto of the dtae on that dya`s paper. It wlil help you aferward to file a online home coverage clim in caase something hpapens.

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