![]() ![]() Once you create a comprehensive household inventory a good insurance agent can review it with you and give you the following information: Similarly, you do not want gaps in your insurance coverage, such as having only half the coverage you need to replace your families' personal property in the event of a disaster. A Good Insurance Agent Can Help You Avoid Gaps In Your Insurance Coverage By Reviewing Your Household Inventory Especially, when you also need to buy appliances, replacement kitchen items, and furniture at the same time. Instead, you need lots of cash, which is what insurance provides when it works right, because you need to buy so many things all at once, without the luxury of stocking up when there is a sale, or saving up for one item at a time.īuying a minimalist basic wardrobe for each family member, from socks and underwear on up, all at once is expensive. ![]() I have seen this over and over in my work - it is not that you need to buy only designer clothing, or expensive electronics. Why do you need insurance? Because it is impossible for the average family to be able to get themselves back on track and replace even the most basic of their possessions without cash to do so, LOTS of cash. Now, don't get me wrong, just because it is no fun to deal with the insurance company when you need to file a claim, your family still needs insurance.Īs frustrating as it can be to deal with insurance companies sometime, it is a necessary evil. Creating A Household Inventory Can Identify What Insurance Your Family Needs Showing an insurance adjuster pictures of your television set puts his or her mind at ease that you, in fact, had a television set that you should get compensated for because it was stolen or destroyed.īy the way, insurance companies love receipts and act incredulous that you did not save the receipt for the underwear you bought two years ago and further are incredulous that you are unable to produce said receipt even though your entire house and all its contents burned down.Ĭan you tell that I get frustrated with insurance companies? OK then, I will stop my rant about them, because they do serve a positive purpose. So, creating a home inventory, especially one with photos and video, and copies of receipts can really save you lots of headaches and heartbreak at a time when your family is already emotionally vulnerable and heartbroken from whatever disaster is requiring you to file an insurance claim. You could tell them the sky was blue, and they would want to hire their own expert to confirm that statement is true. They listen to everything you say with complete skepticism. I deal with insurance companies everyday at work, and over the years I have learned that insurance adjusters are trained not to believe you. I'll let you in on my own dirty little secret - in my other life I am an attorney. If you could answer all these questions without peeking at your home inventory you have a better memory than the majority of people in the world! Documentation Makes Dealing With The Insurance Company Easier And Less StressfulĪnother reason to create a household inventory is to help you deal with the insurance company without losing your mind. Imagine trying to answer those questions for every single thing in your home, under stress. ![]() ![]()
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