Personal Home Inventory. Kansas Insurance Department

Transcription

1 Personal Home Inventory Kansas Insurance Department

2 Homeowners/Renters policy information Name of insured Insurance company Policy number Agent name Agent phone Insurance company phone Personal Home Inventory June 2014 The information you enter into this Personal Home Inventory document can make an insurance claim settlement faster and easier. With this file, you will have a property record that will help you make an accurate insurance claim. Taking the time to record your personal property in this guide will save you time, money and frustration should you have a property loss. Keep this inventory in a safe deposit box or a secure place outside your home. Other important papers, such as birth certificates, deeds or legal documents, should also be stored in a secure place. If you have questions or need assistance with homeowners or renters insurance issues, don t hesitate to contact the Kansas Insurance Department s Consumer Assistance Hotline toll-free at Our trained staff is dedicated to helping answer your insurance questions and finding solutions to your problems.

3 Why do an inventory? An inventory creates a record of the contents of your home and their value. It also provides a record of serial numbers for electronic goods and appliances, should your home be broken into. It can also serve as a chance to measure whether your insurance coverage is adequate. Home inventory tips List every item of value in your home. Include the serial numbers of all items that have them. Include makes and models in your description. Keep all receipts, along with a description of the items. Keep a detailed record of antiques, jewelry, major appliances and collector s items. Continuously update your Personal Home Inventory as you acquire new items. Protect your property It can be difficult to determine ownership if an item is stolen. To help verify that an item is yours, keep the following: Receipts, purchase orders or invoices Canceled checks Registration, warranty and guarantee documents Instruction manuals Tax records Credit card or bank statements (online or in hard copy) Serial numbers on your electronics Use your smartphone to keep an online home inventory by downloading the myhome Scr.APP. book app. Storing your Personal Home Inventory Keep copies of your inventory in several places. Consider the following: A safe deposit box A fire resistant box or safe in your home At your place of employment in a locked cabinet With a family member or close friend With your accountant or attorney Use your mobile device to create an inventory Use your Apple or Android cell phone or tablet to create a home inventory by using the NAIC s free myhome Scr.APP.book mobile app to take photos, record serial numbers and keep a digital copy of your inventory. The app is free and can be found in your device s app store. June 2014/Kansas Insurance Department

4 Inventory summary Number of articles Location/category Total original cost Estimated present value Attic Basement Garage Living room Dining room Kitchen Master bedroom Bedroom 2 Bedroom 3 Bedroom 4 Home office Bathrooms Clothing Patio, deck items Tool shed items Family room Electronics, equipment Musical instruments, gear Hobbies Hallways Sports Utility room Artwork Jewelry, silverware China, glassware Amount of personal property insurance

5 Attic Furniture Luggage Trunk and contents Other storage Basement Washing machine Dryer Workbench Dehumidifier Fan Space heater Luggage Furniture Holiday decorations Storage Garage Auto equipment Garden tools Lawn furniture Lawn games Tools Storage

6 Living room Couches Chairs Entertainment center Television DVD/VCR DVDs, videocassettes Coffee table Lamps Bookcases Books Fireplace Fireplace accessories Curtains, blinds Throws Telephone Living room, cont.

7 Dining room Air conditioner window units Table Chairs Buffet Cabinets and contents Rug Ceiling fan Chandeliers Tableware Kitchen Refrigerator Freezer Food in freezer Stove/range/exhaust fan Microwave Dishwasher Coffee maker Toaster Can opener Blender Toaster Oven Kitchen utensils Cleaning supplies Cookbooks Cutlery

8 Kitchen, cont. Pots Pans Silverware Plates Bowls Glassware Mugs Kitchen utensils Kitchen, cont. Canned goods Liquor, wines Brooms, mops Cabinets Lighting fixtures

9 Master bedroom Bed frame Box spring and mattress Dresser Night stand Alarm clock Lamp Clothing Curtains, blinds Decorations Bedroom 2 Bed frame Box spring and mattress Dresser Night stand Alarm clock Lamp Clothing Curtains, blinds

10 Bedroom 3 Bed frame Box spring and mattress Dresser Night stand Alarm clock Lamp Clothing Curtains, blinds Bedroom 4 Bed frame Box spring and mattress Dresser Night stand Alarm clock Lamp Clothing Curtains, blinds

11 Home office Computer Laptop Printer/scanner/copier/fax Tablet(s) Computer accessories Desk Chair Lamps File cabinet Software Computer games Home office, cont. Manuscripts Business property Audio recorder Bookcases Books Telephone

12 Bathrooms Shower Curtain/Linens Bath mats/bath sets Closet contents Cabinets and contents Hair dryer Curling iron/ Flat iron Razor Mirror Scale Medicine/Prescriptions Clothes hamper Curtains/blinds Toiletries Clothing Shirts Pants Skirts Dresses Coats/Ties Shoes Socks Underwear

13 Patio/deck Table Chairs Grill Grilling equipment Plants and planters Hot tub Hot tub or pool equipment Plants/Planters Tool shed Lawn mover Weed trimmer Power tools Yard tools Hoses Sprinklers Ladder Snow removal equipment Gardening equipment

14 Family room Books Bookcases Couch Chairs Table Desk Fireplace equipment Lamps Wall shelves Board games Throws Pillows Decorations Electronics, equipment Cell phones Phones Answering machine VCR, DVD players Calculators MP3 players Stereo equipment CDs, cassettes Televisions Video equipment Video game systems Cameras ereaders GPS/Navigation System Electronics accessories

15 Musical instruments Piano Guitars Sheet music Amplifier Hobbies Antiques Craft materials Photography Coin collections Stamp collections Comic books Sewing machine Fabric Scrapbooking materials Board games Hallways Bric-a-brac Lamps Rugs Tables Cabinets and contents Closet contents

16 Sports Bikes Bowling equipment Fishing equipment Golf equipment Firearms Hunting equipment Skis Swim and diving gear Tennis rackets Trophies Exercise equipment Weight bench Camping equipment Utility room Washer Dryer Iron Ironing board Sewing machine Vacuum cleaners Air conditioner units

17 Artwork Paintings Art objects Jewelry, silverware Wedding rings Engagement ring Rings Bracelets Broaches Earrings Necklaces Watches China, glassware

18 Tips for photographing or video recording inventory items Start in one corner of a room and work your way around. Take wide angle and close up shots. Have a family member in the photos to help verify ownership. Make sure videotapes and photos are dated. To demonstrate quantity of clothing, open closet doors. Take photos of open drawers to show content. Position yourself at a 45-degree angle to the subject surface for shiny objects. Use a dark cloth as a background. Open glass doors to prevent glare. Photograph your power tools and the inside of your toolbox. Tape photos here Start at the bottom, and layer photos.

19 Important tips to follow before and after the storm Before the storm Do you have the right insurance? Check your coverage. Not all policies cover the following expenses: water damage debris or tree removal sewer backup because of flooding sump pump failure additional living expenses if disaster forces you from your home Check the limits of your coverage, including coverage for contents. Know your deductible amount. Have your agent s name and phone number. Federal flood insurance Homeowners and renters insurance policies do not cover flooding. Consider buying federal flood insurance if damage from rising water is possible. Auto policy Check your auto policy. Comprehensive coverage (other than collision) takes care of flood damage to your car from a storm or flood. Inventory your personal property Update your inventory. Photograph and/or videotape each room and the exterior of your home, or use the myhome Scr.APP.book mobile app to keep a digital copy. List model and serial numbers, and attach sales receipts. After the storm If you do suffer loss or damage because of a storm, here are some recommendations on how to proceed: Contact your insurance company immediately to report losses. Take notes summarizing your conversation, and write down the name of the person with whom you spoke. Take photographs that show damaged property. Get instructions from your company s adjuster before calling anyone to repair or replace damaged property. Your insurer s visual inspection of your losses may be required before claims are paid. Safeguard your records, including your insurance policy. If you do sustain damage to your home or automobile following a major storm in which many people were affected, it may take longer than usual for the insurance company to settle your claim. If your settlement does not occur in a reasonable length of time, call your agent. If you still have problems coming to an agreement with your company, please contact the Kansas Insurance Department at

20 Kansas Insurance Department Contact us Consumer Assistance Hotline: Website: Office: 420 S.W. 9th St., Topeka, KS Phone: Fax: TTY/TDD: