The simple answer to the question "Why do I need a home inventory" is that unless you have a flawless memory, the chances are that if a catastrophic event happens to your home, you are not going to remember everything that you owned. Think about the pictures you have seen of tornado victims with their possessions strewn across two counties. You may get an idea of why a home inventory may be a good idea. At Focus Insurance in Eureka, MO, we will be happy to give you ideas about the hows and whys of a home inventory.
There are so many bad things that can happen. If your whole house is consumed by fire, including your photographs and records, how are you going to prove to the insurance company what you had in your home before the fire? You want to make sure that you collect as much as possible to be able to replace your precious possession. Try doing it right now. Think about everything you have. For example, in your kitchen, write it down just for fun. Now go into your kitchen and write down precisely what is in there. If you are like most people, you missed a lot of things. Your home inventory can also help you when filing taxes after a disaster.
When it comes to purchasing your home insurance, to make sure that your contents coverage is correct, you need to know what you have and what the value is. The home inventory will help you when talking to your insurer to make sure that you get adequate coverage.
At Focus Insurance in Eureka, MO, we have years of experience helping our customers get the coverage they need. Stop by our office or give us a call to set up an appointment for a no-obligation quote.