ChecklistYour home is filled with possessions. Would you be able to remember what was lost or stolen in the event of a fire or theft? Would you have enough insurance to replace everything?

An inventory worksheet will assist you in listing your personal property. By completing this inventory, you have a written record of your possessions, which will help both you and your adjuster in the event of a claim. As well, by reviewing this list with us, you can ensure you have adequate coverage on your property.

These hints may help you create this form:
  • Take one room or area at a time and list everything.
  • Record each item, along with its original purchase price, the date of purchase and today's purchase price.
  • If you are unsure of its exact purchase price, provide an estimate.
  • With items such as clothes and linens, it may be difficult to remember the exact purchase price. We suggest you take an average cost for one item and multiply it by the number you own.
  • Keep your inventory list current.
  • Keep your receipts and any appraisals in a safe place along with a copy of this worksheet. These are essential at the time of a claim to show proof of ownership.
  • Use your worksheet to record the make, model and serial numbers of items such as cameras, TVs, DVD players, PVRs, personal computers, audio equipment, bicycles and other valuable items that are attractive to thieves.
  • Record your credit and/or debit card numbers on this worksheet, along with contact information for the financial institutions that issued the cards.
  • Take photographs of, or videotape, the inside of your home to supplement your list and to provide additional documentation in the event of a claim. Keep your photos or videos in a safe place along with this worksheet.
  • Contact us to discuss additional coverage for valuable or specialty items such as furs, jewelry, fine art and stamp and/or coin collections. Your insurance policy may limit coverage for such items. Also, as personal property may appreciate or depreciate, it's important to review your protection on a regular basis. We can suggest where you should consider amending your coverage
  • Don't forget to review other property you own such as a seasonal residence or recreational vehicles. We can provide advice on appropriate coverage.
Preparation is key to minimizing the effects of a loss or a disaster. Taking time to review your insurance regularly and maintaining a current personal inventory is important. Prevention is also vital and knowing what to do in particular situations can reduce your loss, save time and ease the claim process. We can provide additional information on the prevention of theft and other types of losses. Forms can be found on our blogs page.

Make sure your home is protected. Call Heritage Insurance, Ltd. at (800) 667-7640 for more information on Moose Jaw SK home insurance
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