K N O W Y O U RH O W T O I N V E N T O R Y Y O U R P O S S E S S I O N S

F O R I N S U R A N C E W I T H Y O U R S M A R T P H O N E

Courtesy of DarrasLaw

W O R T H

W H Y T A K E I N V E N T O R Y ?

Your stuff is important to you.

If theft, fire, or a natural disasterravages your home, you'll needan updated list and videofootage of your belongings if youhope to recover their true worth.

It's worth more than you think.

S W I T C H T O V I D E O . H I T R E C O R D .

START OUTSIDE.

Film your swimming pools, hottubs, water features and theequipmentWhat about the roof?Do you have an unattachedgarage or shed?What about a tree house oractivity court?

Record the state ofthe exterior.

AND WHEN OUTSIDE...

Record the landscape, too.

What trees/plants do you havein your yard?

It's easier to assess damagefor a claim when you have a"before" image to reference.

GO THROUGH YOUR HOME

ROOM BY ROOM

CLOSET BY CLOSET

DRAWER BY DRAWER(AND DON'T FORGET THE GARAGE)

SERIOUSLY,CHECK YOURGARAGE ANDSHED, TOO.

Tools are expensive toreplace, and we often keepforgotten valuables in thegarage. Like that bicycleyour kid just HAD to have.

B A C K E V E R Y T H I N G U P

Back up your videos and images from the inventory ontocloud storage so you'll have guaranteed access to them,even if something happens to your phone.

Try iCloud, Dropbox, Google Drive, or something similar

PRO TIP: Send a copy of your video to a friend in anotherarea of the country and ask them to store it, too.

WHAT ABOUT YOURHIGH-PRICED ANDCOLLECTIBLE ITEMS?

Consider a special rider to coverexpensive items that may exceedthe limits of your homeownersinsurance policy

Be sure to include replacementcost coverage for these items

The cost for a rider is fairlyinexpensive

CONSIDER A RIDER FOR...Flatscreen TVsLaptops, cameras, and otherhigh-priced electronicsExpensive jewelryAntiques/heirloom collectibles

If you have a lot of expensiveitems, you may want toconsider separate ridersHave your high-priced itemsappraised regularlyA 20-year-old appraisal won'treflect current value and willhurt your claim

DON'T FORGETTO UPDATE.

Make a habit of updatingyour video inventory atleast once a year.

ALSO: Update your videoinventory when you make anymajor changes or additions toyour home.

W A N T T OK N O W M O R E ?

S U B S C R I B E T O O U R B L O G

F O R T H E L A T E S T N E W S A N D T I P S O N H E A L T H ,

D I S A B I L I T Y A N DI N S U R A N C E M A T T E R S :

F O L L O W U S O N T W I T T E R