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Buying a home is a major achievement. It often takes years of planning and saving to reach this goal, and you need quality home insurance to protect the purchase you have made. Nobody wants to focus on the things that can damage your home, but on the other hand, you have to be realistic. Bad things do happen, and if it happens to your home, you need the confidence that you will be able to rebuild and replace all the things you had. At Collum Insurance Group LLC in Richardson, TX, we are able to offer our customers choices when it comes to carriers and policies.
A home inventory is a listing of your possession. In the event of your home being damaged or destroyed by a covered hazard, your home insurance will repair or replace the things you have lost. That is the good news. The bad news is they will need to know what you had before the event occurred. After a traumatic loss, you may not be able to tackle such a massive undertaking. This is why you should create your inventory before anything damages your home.
You can do it the traditional way with a pad and pen, or you can do it digitally. Either way, you will go from room to room of your home and list and or photograph every inch. Open the closets, pull out the drawers, go through your kitchen cabinets. Head up to the attic, down to the basement and out to the garage. This is not a small undertaking, but the advantage it offers if you need it makes it all worthwhile.
Finally, place your inventory in a safe place where you can get to it when you need it.
Collum Insurance Group LLC in Richardson, TX is here to help you with your home insurance needs and to answer any questions you may have. Please stop by our office, or give us a call.