Do you know how much all of your possessions are worth? Can you list from memory everything in your house? If you are the victim of theft, or of a house fire, these are questions you may be asked. If you’re thinking, “how could I possibly remember everything I own?” I may have a suggestion for you.
To prove exactly what you own and what you are owed in the event of a property loss on your homeowners policy, it’s a good idea to film the contents of your house with a video camera. Open up all of your closet and cabinet doors before you begin, then slowly walk through your house, taking care to get a good shot of everything you own. Once you’re done, store the film in a safe place, such as a safety deposit box at the bank, or a fire proof safe. Then, voila! You have proof of ownership for all of your possessions.
Another good idea is to take pictures of any big ticket items, such as expensive jewelry or big screen televisions, and put them in a safe place along with the receipt. By taking these steps, you will be ensuring that you will be properly reimbursed if you ever have to file a claim with your insurance company.
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