The Importance of a Home Inventory
You never know when an emergency situation or catastrophe is going to occur, or how much damage it's going to cause. As defined by the insurance industry, a catastrophe is a natural disaster that causes a certain dollar amount, currently $25 million in insured damage. A typical homeowners insurance policy covers damage from fire, windstorms, hail, riots and explosions, as well as other types of loss such as theft and the cost of living elsewhere while the structure is being repaired or rebuilt. However, flood and earthquake damage are excluded under basic homeowners policies. In any case, with all the emotions flowing after a loss occurs, it can be easy for people to forget exactly everything that they own. The last thing you want to do at this time is sit down and make a list of everything you lost - you'll have plenty of other things to worry about.
The best way to make sure you have properly documented your personal property is to use a home inventory checklist. In the event of a catastrophic loss, this home inventory will help make sure your claim is properly paid. Having all the items in your home chronicled in advance of a loss is extremely helpful and works to your benefit. Insure the Lake has a free downloadable home inventory checklist that you can get by going to our website and filling out a short form: www.InsuretheLake.com. In addition to filling out the checklist, consider documenting your home's content with pictures and videos too. Once you complete the checklist, be sure to store your home inventory information in a safe location, such as a safety deposit box.
Insure the Lake is here to help with all of your Lake of the Ozarks insurance needs from homeowners and auto to business insurance. As your Lake of the Ozarks insurance agent, it's my job to make sure you understand your policy and that you have adequate coverage for your personal needs. Call 573-348-2794 today or request a free insurance quote online!
Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs!
About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.
Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral
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