Do Your Homeowners Insurance And Home Inventory Match?

January 5, 2016

Your homeowners insurance Chicago IL policy will help to keep all of your holiday gifts protected.

Chances are, the number of valuable items you have will increase this month. No matter if a new camera or laptop was on your wish list, ensuring that all of your new belongings are protected by your Chicago, IL homeowners insurance will give you the peace of mind that you deserve. Use this homeowners insurance in Chicago, IL guide in mind to ensure you have the right amount of coverage.

Your first step should be digging out your home inventory from its safe location. If you haven’t created your home inventory yet, there is no time like the present. Add all of your new belongings to your inventory, no matter how much they are worth. From a new TV to appliances, the more thorough your inventory is, the better protected you will be after a covered peril.

If the receipt wasn’t included with your gift, ask for it. Assure the giver that you are not returning their thoughtful gift, but are simply making sure it is protected with the right home insurance coverage. If the gift is a family heirloom and doesn’t have a receipt, you should get the item appraised and include the appraisal receipt with your inventory.

If you only have one copy of your inventory, making a second copy of it while you are updating it after the holidays can help to keep you better protected. Your second inventory should be kept somewhere other than your house, such as a safe deposit box at your bank to ensure that you will be able to access a copy if your house is completely destroyed.

After updating your inventory, contact the independent insurance professionals at Thomas Ward Insurance for all of your Illinois home insurance needs. We will work with you to ensure that your homeowners insurance in Chicago, IL  is meeting your specific needs.