There’s no wonder why Southern Living Magazine named Fairhope, AL one of the best small towns in the South. However, even beautiful towns like this are not immune to disaster. Whether you love small-town living or the bustle of the city, your home could be at risk.
Align Insurance Group wants everyone to be prepared when disaster strikes. One essential item we encourage all homeowners to carry is a home inventory. This one document will make a huge difference when it comes to filing a claim, saving you and your family time and worry during your most stressful events.
What is a home inventory?
In a nutshell, a home inventory is a listing of your valued possessions. This can include appliances, clothing, electronics, and anything else you would need to replace after a crisis. Would you be able to recall all of your valuables off the top of your head following a disaster? Having an inventory on hand now will make it easier for you to figure out what you need to claim should you need to in the future.
How do I make a home inventory?
Writing down all of your belongings can seem like a daunting task. However, it is pretty simple once you get the hang of it.
Start Small – A closet or wardrobe is a great place to start. General clothing can be inventoried by broad categories such as the number of pants or shirts. Make a more detailed accounting of high-value items such as jewelry, including materials the item is made of (gold, diamonds, etc.).
Serial Numbers – For appliances or electronics, record the brand and serial numbers located on the bottom or back of the item.
Keep receipts – Receipts, appraisals, or contracts can help when your agent is determining the worth of lost belongings.
Use Tech – Taking pictures, video, and keeping your list on an app are all ways to make your inventory as accurate and detailed as possible.
How do I know if items in my inventory are covered?
Talk to your insurance agent to make sure your Fairhope, AL home insurance adequately covers your belongings. Align Insurance Group offers unique umbrella coverage options to insure high-value items too!
