January 25, 2007
Know Your Insurance
If you’ve taken a homeowners insurance, you definitely care about your home and want to ensure that you don’t have to suffer if disaster strikes. But what you may not realize is that it isn’t enough to just take a policy. That is only the first step. You must check your homeowners insurance policy regularly to ensure that you haven’t missed out on any technicality which could cause a lot of heartache later on.
If you have expensive jewelry, art, antiques, collectibles, guns, etc call your insurance agent & get them listed on your homeowners policy. Don’t forget to document them separately. Take pictures of every area of your home including the furniture. This will help ensure the legitimacy of your claim.
Keep receipts or proof of the new or upgraded appliances and furniture in your home. Never keep important records like insurance policies, an inventory of your home contents, pictures of your home (exterior & interior), financial documents, and receipts in your home. A bank safety deposit box is always safer. And most importantly, never do business with an insurance company you have never heard of before.
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