It is important to conduct a home inventory in Florida. There may be a lot of things throughout your home that you don't even think of. To ensure that you have encompassed everything on your homeowner’s insurance policy, an inventory is the best way to guarantee this.

There are various benefits to taking the time to conduct the inventory. Knowing these can be the push you need to actually move forward and conduct the inventory.

LIST EVERYTHING

You will want to go room by room throughout your home to identify everything that you have. By conducting a physical inventory, you can make sure that you haven't missed anything. While this may take a while, you have the option of doing a physical inventory or doing it digitally. Either way, you want to include furniture, electronics, jewelry, and other valuables that you have in your home.

Anything you have on your property should be included as well. What’s in your garage? In your shed? Around your yard? Be sure to count everything.

CALCULATE VALUES

You may not really know how much everything in your home is worth until you have it listed in front of you. You can begin associating values with furniture, jewelry, artwork, and everything else inside your home. It may be helpful to reference invoices and receipts to be able to know what things were worth. While you may not get what you paid for it, the initial value can at least help.

This total value will make it easier for you to have the right coverage on your homeowner’s insurance policy in Florida.

ADD COVERAGE

A traditional home insurance policy is going to include the dwelling as well as your belongings. However, the value may not be as much as you need it to be. There are various forms of add-on coverage that you can get. This will allow you to have more financial protection for everything inside your home. Estate jewelry, fine art, collectibles, and more may require additional coverage.

This is an important step to take. It’s all about being a responsible homeowner. There are companies that will do a home inventory and valuation for you, too. They will take the photos and provide you with a file. If you don’t have the time or patience to do it on your own, this may be something to explore.

Once you have conducted a home inventory, you can call your insurance agent. This will make it easier to find the right policy and get the coverage you need. In the event that something happens to your home, you will know that you have the coverage in place to make replacements as needed.