Why a home inventory is a good idea

Owning a home in San Francisco, CA is a dream come true. When you own a home, you probably have a mortgage and your lender will require that you protect their investment by carrying home insurance. Home insurance also protects you since it provides coverage for not only the physical building itself but also your personal belongings. Biddle-Shaw Insurance Services, Inc. offers its clients and future clients the benefit of their years of experience when it comes to choosing the right home insurance. 

If your home is damaged or destroyed by a covered hazard, you can lose all or part of your personal possessions. Imagine having to reconstruct from memory your entire home and what you have in every single room, drawer, closet, and cupboard. It is a daunting prospect. This is why creating a home inventory is a good idea. With a home inventory, you will have all the proof that you need to verify the things that you owned prior to the hazard that caused the damage. 

To create a home inventory, go through your home room by room and write down all the things in the room. Be as specific as possible. For example, saying a sofa is not enough.  You will need to describe the sofa. If you have proof of the money spent on items, include that with the inventory. Take photos to go along with the inventory. For higher-priced items like electronics, be sure to note the brand and model. The inventory should then be stored in a safe place, preferably off-site but at the very least in a fire and water-resistant box. 

Your home is your castle, and in San Francisco, CA, Biddle-Shaw Insurance Services, Inc. understands that. Why not give our office a call or stop by to discuss the value of a home inventory and any other insurance needs you may have.