For home insurance, should I afford a roll of items to the insurance agent?

Answers: You would be better off keeping the account (including receipts) in a safety deposit box.
If your homeowners insurance covers contents of the house then yes you should photograph every sensible item and take down thier serial numbers if they have them and dictation thier current value and age.
For homeowners insurance you would not need to give the insurance a roll of items of your entire home. However, if you have valuable items (jewelry, artwork, computers, fine china & crystal, musical instruments, etc.) and want to enjoy these scheduled onto your policy then you would provide a record which includes a full description of the item including serial numbers, model name, for jewelry the cut of the stone, setting information, etc. This full list should be provided to your agent and next put on a schedule onto your policy. You will see each item in actual fact listed line by string. You should check your list against the list on the policy and own it updated each time you make a purchase within any of these categories.

In terms of the rest of your household contents, you should hold a full inventory for your own peace of mind in the event of a claim. Your agent should be able to provide you beside a household inventory brochure to assist you in preparing this. You should also consider supplementing your written inventory with pictures and/or a video inventory (walking through your house and film each room--focusing on higher appeal items along the way while verbally stating where on earth purchased, dates and or any other helpful information).

This type of inventory should be kept rotten premises, i.e. in a safe deposit box, at your department, a family member's house, etc. and a copy at your agent's office. If you ever own a major catastrophe, you will find it to be invaluable surrounded by the prompt resolution of your personal property claim and will assist you in obtaining a superior payment than you otherwise would since many ancestors forget everything they had. Remember when doing your inventory to account for adjectives your library contents, i.e. books, movies, cds, etc. since the cost of these add up very in a flash.

I hope this information helps. Good Luck! Source(s): Certified Insurance Counselor, Licensed Insurance Agent & Broker for over 29 years.
The proposal form contains the deep information regarding the inventroy.

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