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Your home in Laurel, MD probably contains most of your possessions, if not all of them. The policy you obtained from Mid Atlantic Insurance Financial is meant to protect your home and what is contained in it. This includes but is not limited to:
- The structure, including outbuildings.
- Major and small appliances, like your stove, washer, dryer, toaster, and coffee maker.
- Flooring and window treatments.
- Electronics, movies, books, and games.
- Personal items like clothing and make-up.
Limits and Deductibles
Your homeowner’s policy is really a contract, and it will have a maximum amount covered and deductible amount. Some items may even have their own maximums, such as jewelry or outbuildings. The policy doesn’t really describe the individual items covered.
Why the Inventory Is Important
If something happens to any of your possessions, you will need to file a claim with the insurance company. To do that, you will need to explain your specific loss. For instance, if your television is stolen, you will both call the police and make a claim. Without identifying information, like a serial number, the police won’t be able to say whether the property is yours if they recover it.
With a large event, like a fire, the problem is much worse. You will need to explain exactly what you lost, and without an inventory, you will need to create a list from memory.
Making an Inventory Is Easier Than You Think
Especially in the days of smartphones, making an inventory has gotten easier and easier. One trick is to do a video inventory where you go through the rooms in your house one at a time, recording the contents and noting identifiers.
If you want help making a home inventory in Laurel, MD, we at Mid Atlantic Insurance Financial have experience helping our clients plan. Call us today for any questions or if you want to discuss a policy.