Much of Your Home’s Value is What’s Inside

 Provided by Safeco Insurance

There’s a popular saying that goes: “Home is where the heart is.” That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate.

Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it. Some of the things inside your house that helps make it your home include your furniture and appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s really important to protect it all.

How do I protect what really makes my house a home?

Protecting the important stuff inside your home begins with an understanding of what you have. If you’re like many people, you may find your home contains much more personal property than you realize. To understand how much stuff you have, develop a careful inventory of your personal property following these tips.

• Use a video camera to record and audibly describe items as you move through your home. No extra equipment is needed – use your smart phone to complete this.  You can also take still pictures, especially of higher value items.
• Whether you use still photos or video to develop your inventory, include brand names and descriptions where possible, especially on high-cost items.
• Keep any and all receipts on high-dollar purchases. Keep these receipts filed together with any instruction booklets, warranties, etc. that accompany the items.
• Store your video or photo inventory offsite or back it up with an additional drive.  There are even apps you can download on your phone to organize this.
• When you make new purchases, be sure to add them to your inventory.

If you have high-value items, be sure to check with us so we can review your homeowners coverage to make sure you’re properly protected. We understand that your home is not just a house, and we are here to help ensure that everything important to you is protected-both outside and inside your home.

We can work with you to make sure you’ve got the coverage you need while at the same time using all possible credits and discounts to make that coverage affordable. Contact us at 303-232-3100 with any questions or concerns you may have. We want to help you meet your goals, and make sure what’s important to you is protected!