You have a lot of stuff. Do you know what it's worth? When it's time to make a homeowners claim, you can optimize your chances of getting your money's worth back if you have an updated inventory of your belongings. All you need is your smartphone.

1. K N O W Y O U R
H O W T O I N V E N T O R Y Y O U R P O S S E S S I O N S
F O R I N S U R A N C E W I T H Y O U R S M A R T P H O N E
Courtesy of DarrasLaw
W O R T H

2. W H Y T A K E I N V E N T O R Y ?
Your stuff is important to you.
If theft, fire, or a natural disaster
ravages your home, you'll need
an updated list and video
footage of your belongings if you
hope to recover their true worth.
It's worth more than you think.

3. S W I T C H T O V I D E O .
H I T R E C O R D .

4. START OUTSIDE.
Film your swimming pools, hot
tubs, water features and the
equipment
What about the roof?
Do you have an unattached
garage or shed?
What about a tree house or
activity court?
Record the state of
the exterior.

5. AND WHEN OUTSIDE...
Record the landscape, too.
What trees/plants do you have
in your yard?
It's easier to assess damage
for a claim when you have a
"before" image to reference.

6. GO THROUGH YOUR HOME
ROOM BY ROOM
CLOSET BY CLOSET
DRAWER BY DRAWER
(AND DON'T FORGET THE GARAGE)

7. SERIOUSLY,
CHECK YOUR
GARAGE AND
SHED, TOO.
Tools are expensive to
replace, and we often keep
forgotten valuables in the
garage. Like that bicycle
your kid just HAD to have.

8. BACK EVERYTHING UP
Back up your videos and images from the inventory onto
cloud storage so you'll have guaranteed access to them,
even if something happens to your phone.
Try iCloud, Dropbox, Google Drive, or something similar
PRO TIP: Send a copy of your video to a friend in another
area of the country and ask them to store it, too.

9. WHAT ABOUT YOUR
HIGH-PRICED AND
COLLECTIBLE ITEMS?
Consider a special rider to cover
expensive items that may exceed
the limits of your homeowners
insurance policy
Be sure to include replacement
cost coverage for these items
The cost for a rider is fairly
inexpensive

10. CONSIDER A RIDER FOR...
Flatscreen TVs
Laptops, cameras, and other
high-priced electronics
Expensive jewelry
Antiques/heirloom collectibles
If you have a lot of expensive
items, you may want to
consider separate riders
Have your high-priced items
appraised regularly
A 20-year-old appraisal won't
reflect current value and will
hurt your claim

11. DON'T FORGET
TO UPDATE.
Make a habit of updating
your video inventory at
least once a year.
ALSO: Update your video
inventory when you make any
major changes or additions to
your home.

12. W A N T T O
K N O W M O R E ?
S U B S C R I B E T O O U R B L O G
F O R T H E L A T E S T N E W S
A N D T I P S O N H E A L T H ,
D I S A B I L I T Y A N D
I N S U R A N C E M A T T E R S :
F O L L O W U S O N T W I T T E R