Consolidate tasks. Make your home inventory list next time you do a deep clean and discover how easy it is to keep your insurance up to date.
One of the big stumbling blocks for renters and homeowners alike is making or updating a home inventory list for their insurance. A detailed list, however, is the easiest way to get your home back to normal in the event of a burglary or other disaster. Try as you might, there’s just no way to remember every item in your home. Can you say without looking how many sets of sheets you have, how much your couch cost, or how many pieces of jewelry are in your bedroom?
The problem many of us run into, however, is that making a list of everything we own seems overwhelming. Where do you start? How much detail do you need? Do you have to empty your closet to write down every last item?
This is precisely why spring cleaning (or any time you deep clean your home) is the perfect time to make a home inventory list. It’s the classic “two birds with one stone” scenario. So grab a cleaning rag and a pen and paper (or your phone with an app for creating a household inventory) and get started.
5 reasons making a home inventory list
should be on your spring cleaning list
1. You haven’t updated your inventory list since you moved in.
We all tend to accumulate items, whether we rent or own our home. If those items haven’t made it to your insurance inventory list, now is the perfect time to update it. Don’t think you’ve added many possessions to your life? What about those coasters from your winter vacation? The new blinds in your bathroom?
2. You're going to be methodical.
To create an accurate home inventory list, you have to be methodical, either moving from room to room or within categories. Spring cleaning is the same. You may take down all the curtains to wash (are they all on your inventory list?) or move everything in the dining room so you can steam clean the carpet (is everything you just moved on your list?).
3. You’ve already set aside the time.
Deep cleaning takes time. It’s not something you try to squeeze in between kids’ soccer games. Making or updating your inventory list also takes time, but combining the tasks is an efficient way to get some extra oomph out of that time.
4. You’re getting behind everything.
When you make a home inventory list, it’s ideal to record the serial numbers and model numbers of your electronics and appliances. They also happen to be hard to get to most of the time. Luckily, you’re moving everything so you can dust and clean “back there,” which makes this a perfect time to write down (or take photos) of all that information.
5. You’re going to be thorough.
The point of spring cleaning is to thoroughly work through your entire home or apartment, cleaning as you go. Your inventory list works the same way. When you pull out that bin of old CDs to dust, snap a picture and write it down. When you clean under your bed, be sure to inventory the luggage set that’s hiding there. The same goes for photos on your walls, lamps, and anything else. Write it down as you clean it.
What to do when you finish
So now that you’ve gone through your entire home and recorded all of your belongings, what comes next? If you have a written document, make a copy or two and store them outside of your home either in a safety deposit box or at a trusted friend or relative’s home. If you only have one copy, it won’t help you if it gets destroyed or stolen.
If you prefer an app, use one like Sortly or Encircle that allows you to export your list.
Take a minute to review your list, too. If you’ve added to any collections such as an art or jewelry collection, you may need to enhance your insurance policy to cover those items. Conversely, if you’ve sold or otherwise reduced items in a collection, you might be able to lower your insurance premium.
If you have questions about your home insurance, get in touch with your local Pekin Insurance agent today and find out how we can help you get the coverage you need.