You never know when disaster may strike and all your personal possessions are lost or damaged. Do you know how much your coin collection is worth? Do you know how many pairs of Nikes you have? That’s where a home inventory can help. Having a home inventory can help you purchase the amount of insurance you need, get your insurance claim settled faster, verify losses for your income tax return, and keep track of all the things you’ve accumulated over the years.
It may seem like a daunting task to create a list of every item you own, but don’t let that scare you off! There are many ways to create your list, you just have to decide what works best for you. You can go room by room, category by category (furniture, electronics, etc.), newest to oldest, or the most expensive to least expensive. You can write everything down on a notepad, take pictures and write the information on the back of the photos, or put everything into your computer.
It’s also very important to keep a record of legal documents – birth certificates, passports, and financial documents. You can use your home inventory to record information about these papers. You can not have insurance policy numbers, bank account numbers, and insurance policy contact information.
You should keep your home inventory and your important records in a safe place, such as a fireproof lockbox. Keeping copies of the items outside of the home is a great idea too. You can keep them at a friend’s house or in a safe deposit box. Always remember, after you make a significant purchase to add the information to your home inventory and keep it up to date.
Call Flathead Insurance at (406) 752-8000 in Montana, or (208) 667-7485 in Idaho or visit our website at https://www.flatheadinsurance.com/ to discuss your home insurance needs. We can provide coverage from many insurance carriers so you receive the right insurance for your budget and needs!
*** 𝑊𝑒 ℎ𝑎𝑣𝑒 𝑜𝑓𝑓𝑖𝑐𝑒𝑠 𝑙𝑜𝑐𝑎𝑡𝑒𝑑 𝑖𝑛 𝐾𝑎𝑙𝑖𝑠𝑝𝑒𝑙𝑙, 𝑀𝑇 𝑎𝑛𝑑 𝐶𝑜𝑒𝑢𝑟 𝑑’𝐴𝑙𝑒𝑛𝑒, 𝐼𝐷. 𝐵𝑢𝑡, 𝑤𝑒 𝑎𝑙𝑠𝑜 𝑠𝑒𝑟𝑣𝑒: 𝐶𝑜𝑙𝑢𝑚𝑏𝑖𝑎 𝐹𝑎𝑙𝑙𝑠, 𝑊ℎ𝑖𝑡𝑒𝑓𝑖𝑠ℎ, 𝐵𝑖𝑔𝑓𝑜𝑟𝑘, 𝑎𝑛𝑑 𝑃𝑜𝑙𝑠𝑜𝑛 𝑖𝑛 𝑀𝑜𝑛𝑡𝑎𝑛𝑎; 𝐻𝑎𝑦𝑑𝑒𝑛, 𝑃𝑜𝑠𝑡 𝐹𝑎𝑙𝑙𝑠, 𝑅𝑎𝑡ℎ𝑑𝑟𝑢𝑚, 𝑎𝑛𝑑 𝑆𝑎𝑛𝑑𝑝𝑜𝑖𝑛𝑡 𝑖𝑛 𝐼𝑑𝑎ℎ𝑜; 𝑎𝑛𝑑 𝐿𝑖𝑏𝑒𝑟𝑡𝑦 𝐿𝑎𝑘𝑒 𝑎𝑛𝑑 𝑆𝑝𝑜𝑘𝑎𝑛𝑒 𝑖𝑛 𝑊𝑎𝑠ℎ𝑖𝑛𝑔𝑡𝑜𝑛.