Knowing exactly what you’ve got in your home will ensure you get the right amount of contents insurance and help you if you ever need to make a claim.
If you’ve suffered a fire or a flood it’s hard enough to deal with the effects of that, so having to remembering all the contents of your home for an insurance claim can be tricky at a difficult time.
When taking out an insurance policy you need to make sure that you have got the right amount of cover by listing and adding up the value of everything you’ve got in your home.
If you did this you’ve got a ready-made inventory. If you didn’t do this then it’s a good idea to have an inventory of your home contents to make any claim as easy as possible.
A thorough inventory
Make a written list by walking around your home listing everything you own.
Remember to include all rooms and don’t forget places like the cupboard under the stairs or the loft or garage, which could store valuable house contents like your treasured record collection or a spare television.
A quick way to take an inventory
This doesn’t have to be a long, laborious task. A potential shortcut is to take photos of each room in your home. Pictures will:
- provide evidence of all the contents of your home
- help jog your memory about items that can easily be forgotten
Make sure you take photos that show all aspects of the rooms – you might need more than one picture per room.
Take care of the photos and, if possible, keep copies at a friend’s or relative’s house or online. This means they won’t be lost in a fire or flood, for example.