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Home DecorIf gifts of new jewelry, electronics or an expensive keepsake came your way over the holidays, we encourage you to update your  home inventories and home insurance policies.

Here are 8 tips to protect your possessions this New Year:
  1. Review your insurance policy to ensure you have adequate coverage.
  2. If you are renting, remember to have tenant's insurance. A landlord's policy would not typically cover your personal belongings or liability.
  3. Understand your policy and ask questions if you need clarification.
  4. Look for ways to lower your premiums. Some insurers offer discounts if you take steps to reduce risk. Speak to your insurance representative about how you can lower your premiums (i.e. - higher deductibles, alarm system etc.)
  5. Update your home inventory once a year or when you purchase new items.
  6. Note the approximate replacement value of your home's contents, along with makes, models, serial numbers and any identifying marks on your contents. If necessary, hire an appraiser to determine the value of works of art or jewelry to avoid a possible claims misunderstanding.
  7. Take photos or a video of your home's contents. This makes your claims process so much easier.
  8. Keep your home inventory and your content's photos/video in a safety deposit box or in another safe place away from home.
Make sure your home has the proper amount of protection. Call Heritage Insurance at (306) 693-7640 for a free Moose Jaw home insurance quote.
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