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What is a home inventory and why should I have one?

As a homeowner, you hope that nothing bad ever happens to your home while knowing that the chances are pretty high that eventually something bad will happen and you will have to file a claim. There is no way in the world to make filing a claim fun, but you can make it easier with an inventory. In Bronx, NY, L M Insurance & Financial Services is your local independent insurance agency and we customize our customer’s policies to suit their needs. 

When your house is hit by a covered peril, you will file a claim. As part of that claim, the insurance company will want to know what you lost in the peril. You will have to supply a list. Imagine trying to construct that when your entire home has been destroyed. You will be traumatized but you will not be able to see what you used to have because it is gone. This is a recipe for stress. 

If you had created an inventory and stored it in a safe place, you would be able to just give the insurance company a copy. What could be easier and less stressful?  You create an inventory by going through each room in your home and documenting the items that are in it. You will also attach any invoices or sales slips to give detailed information. Adding pictures to your inventory is a good option as well. You want to provide as much information as possible. 

Do every room in your house, don’t forget to open drawers, closets, and cupboards. Go to the attic and the basement, the garage, and even the shed. Write everything down. When you are done, store your inventory in a safe place, hopefully away from your home. 

If you live in Bronx, NY talk to L M Insurance & Financial Services about your home insurance needs. 

"Proudly servicing the New York, Tri-State Area for nearly 20 years. Miami FL office coming soon.."


Coming soon...

"Proudly servicing the New York, Tri-State Area for nearly 20 years. Miami FL office coming soon.."

Coming soon