Do you have adequate insurance against fire and water damage?

No homeowner ever expects to have their home damaged or destroyed by fires or flooding, yet it happens all the time. It is common knowledge that having insurance to protect you in the event of these things is essential. If you have a mortgage on your home, the company you have your home financed with requires that the home be covered for what it is appraised for. This is good enough for the mortgage company, but do you have enough insurance to cover your personal belongings as well?

Coverage for personal effects in a home owner policy is usually standard, but the amount you are covered for is not. It is up to you to make sure there will be an insurance pay off large enough to replace all the valuable things in your house. Even if you had adequate coverage for personal things when you bought your policy, it needs to be updated every so often to make sure new purchases are added.

The best way to make sure you have enough coverage for personal things is to go through your home and either video tape or photograph all your valuables. You might wish to have your insurance agent present while you do this so there is no question about it later if you need to make a claim. Serious floods or fire can destroy many or all of your stuff and it would be sad to not get a check big enough to set up house keeping the way you were accustomed to.

While you are taking the video or photographs, it is a good idea to have the serial and model numbers of items visible if they have them. This can help you in recovering these items if your home is ever burglarized. All valuable things in your home should be taken into account. Here are some important things that should be videoed or photographed:


1] Family heirlooms
2] Jewelry items
3] Electronics, movies, games, and appliances
4] Furniture, rugs, draperies, bedding and linens
5] Pictures, novelties, dishes, cookware
6] Clothing, shoes

These are the most common things that must be replaced, but every home and the things in them are different. You need to make sure that everything you might have to replace is accounted for. Even if a fire or flood does not happen, burglary might and thieves are likely to take all sorts of things. Theft is also covered in your insurance so a video or photographs will help when making a claim for this as well.








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