The Importance of a Home Inventory

Florida HomeSpring is in the air! Time to clean, get your home in order and take inventory! Wait… take inventory?

That’s right! How will you ever know what you have to lose if you don’t track it? And really, do any of us know what is in our homes? It’s amazing how quickly all that “stuff” accumulates.

What is a Home Inventory?

A home inventory is a complete list of your belongings. The list should include photos and information on the worth of your contents. If you do not have one now, don’t fret. You are not the only one out there that hasn’t started this process yet. A recent Allstate Insurance survey of Atlanta homeowners found that while than more than 90 percent of homeowners are concerned about protecting their homes, only 41 percent had ever documented or valued their contents. Knowing and cataloging these items can be time-consuming, but may save you a lot of time and frustration later on.

Why It’s Important?

If your home is damaged by a storm or other peril, a printout of all your damaged valuables could be quite useful. Documenting your home inventory in advance can help save time and reduce frustration after a disaster. In the event of a loss, an accurate home inventory can make filing a claim much easier. It is also a great way to discover your true net worth and ensure that you have adequate coverage for your belongings.

Working Smarter – Not Harder

Luckily, technology has come a long way. The “legal pad” inventory is a thing of the past! Home inventory programs now help you organize and track your valuables. Smart phones and advanced programming have made it easier to be organized and prepared. There are many programs and applications available. Here are some top-rated options:

Top Home Inventory Apps:

Know Your Stuff by Insurance Information Institute, Free

MyStuff2 by Rick Maddy Productivity, Free – $4.99

Top Home Inventory Programs:

Delicious Library 3, Mac Program, $25.00

Collectify Home Inventory, PC Program, $30.00

These are just a few of the programs and apps available for purchase or use. Please take the time to find what works best for you and your family.


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6 Ways to Protect Your Home During Vacation

Protect your home and relax.

A safe home, will leave your vacation worry free.

Florida! The land of vacation destinations! Going on vacation is a great way to relax and take your mind off the daily grind. Don’t let the excitement of an upcoming trip prevent you from securing your home against burglars. Consider the following tips:

  1. Make sure all outdoor lighting works properly. Replace any batteries or bulbs if needed.
  2. Have a friend, family member or neighbor check on the house often and collect mail. Also consider having someone mow your lawn, if necessary.
  3. Place automatic timers on your lights and set them for different times in different rooms. This will give the impression that you are home and doing things in those rooms. Also consider setting a radio to a timer so that thieves are deterred by voices in the home.
  4. Do not leave your valuables such as jewelry, art work or electronics sitting out in plain view. Hide these items in inconspicuous places such as old laundry detergent boxes.
  5. Take a photo inventory of each room of the house before you leave in case there is a loss.
  6. Try not to be too specific when posting about your upcoming trip on social media sites. Exact details will give criminals plenty of information about the perfect time to break in. Resist the urge to “check in” to your vacation destination. Nothing says your not home like a check in from miles away. (This is also a good tip for anytime you are out of the house.)

As always, check to make sure your homeowners insurance coverage is up-to-date before the trip. Contact you W3 advisor if you have any questions about your homeowners insurance.