First, it’s important to have a homeowners policy in place in case of unforeseen damage or loss. Go over your policy with your agent carefully make sure you are fully covered. Think about all the structures that are on your property. Are they all listed in the policy? Think about your personal property. Do you have any high-value items like jewelry or instruments that may require additional coverage? Understanding all your coverages and limitations before you have to make a claim is an important way to be prepared.
Another way to be prepared is to take a careful inventory of your home and property. Keep a list of items purchased, costs, and a brief description. Videos or still photos are very helpful to keep with your inventory list. Store the list in a safe place, not on the property, like a safety deposit box. In the case of loss or damage this inventory will be very useful in restoring and replacing the personal property in your home.
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When the time comes, having the right personal insurance coverage can make all the difference in the world for you and your business.