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Taking Inventory For Your Home Insurance? A Picture Is Worth A Thousand Words

October 22, 2008

Having appropriate home insurance coverage is critical for your protection in  the unfortunate event that something happens to your valuables, but what is the  best and easiest way to document your possessions?

When you have an insurance claim, insurance companies will often ask for copies  of receipts or pictures of the items lost as proof that you actually had them in  the first place.

Taking a photo inventory is an excellent way to show  that you had the items and the condition they were in prior to the loss. It can  also be a great way to determine if you have adequate insurance coverage.

Here are some tips to help you take your own photo inventory:

  • Use a color camera with a flash, video camera, or a digital camera
  • Label the photos and videotapes with the dates they were taken
  • Place a card with the purchase price and date of purchase next to the items
    in the photo
  • Save the images to a CD and make a couple of copies, storing one or printed
    pictures in your safety deposit box or with a relative. You don’t want the only
    copy of your inventory damaged in the event of a fire
  • Focus your flash away from mirrors and other reflective surfaces, including
    opening glass doors to prevent reflections, and angle the flash to avoid glare
    when photographing jewelry
  • Include a family member in the picture to help substantiate
    ownership
  • Open closet doors to show the amount of clothing you own
  • Take pictures of the insides of drawers with the contents fanned out
  • Use a dark cloth as a background for silver, china or jewelry
  • When photographing china, take a picture of the pattern name or
    manufacturer’s signature, along with a picture of the pattern
  • Photograph power tools
  • If you want to take only a few pictures, either take group pictures of your
    most valuable un-appraised items, or record whole rooms with your most valuable
    and theft-prone items prominently displayed
  • Don’t forget to include the camera that you have been using as part of your
    photo inventory

You should also remember to update your inventory when you make new  purchases. This will help ensure you have enough insurance to cover a loss.     Taking a photo inventory is the fastest, simplest way to make sure you

have adequate insurance coverage and to protect yourself against future  losses.

Similarly, when it comes to buying home  insurance, InsuranceHotline.com is the fastest,
simplest way to make sure you are paying the lowest rate  available for your home insurance. Getting a quote is fast, safe and best of  all it’s FREE.