Protecting your valuables before disaster strikes…could you list everything in your home if you were burglarized or there was a fire or natural disaster? Most likely the answer is no; here are a few steps to take before you encounter one of these daunting situations.

1. Take a full home inventory. The easiest way to do this is via digital photos or even video. Sending this documentation to your insurer will provide the backup needed if ever something does happen. Storing a copy outside of the home in a safe deposit box or with a trusted relative is also a great means of protecting the data for future use. Even if you don’t have time for a full inventory remember a picture paints a thousand words; open your drawers, closets, cabinets and at least take photos.

2. Be sure to pay close attention to those items that are collectibles / antiques. Acquire appraisals from experts and take pictures. It is a good practice to discuss special valuables like these with your agent, as you may need a rider to ensure you are properly covered in case of a loss.

3. Closets, many of us toss our clothes into our closets and never consider how much it would cost to replace them. Take few minutes to simply count the items then using an average cost for the item figure out the estimated replacement value (ie 12 men’s dress shirts at $30 each is $360). Any big ticket items like fur coats, or vintage, clothing should be appraised so your agent can better determine if you need extra coverage / endorsement.

4. Don’t forget all your electronics, cell phones, home theater equipment and computer equipment. If you have receipts hold on to them in a safe place, or take a picture of the receipt as you take a picture of the actual item. Keeping track of serial numbers and model numbers is helpful; often these are on the receipt for ease of warranty tracking.

5. File folders or digital files, in either format if lost can cause debilitating challenges. Try to keep backups offsite, or if they must be kept onsite store them in a fireproof safe. 

6. Garage, attic and basement areas are usually used for extra storage and often forgotten when doing an inventory – don’t forget them. Be sure to account for all your tools, outdoor paraphernalia, and items you might store for use just once or twice a year like holiday decorations.

There are many third party services that can help you or even do the inventory for you, but with just a little time, digital camera and pad/paper or laptop you can easily do this yourself. Once it is done keeping it up to date with any new purchases or sold items will take just minutes. 

Once a year touch base with your agent to go over any major changes you may have made to the inventory as they could affect your coverage necessitating an increase or decrease.