New Years Resolutions A Thing of The Past?

O.K., so how’s it going with those New Years resolutions? Is January’s goals now a thing of the past? Are you staying on track with your workout regiment, how bout the budget or maybe that new schedule. Getting Organized is one of the most frequent new years resolutions people make. With that said; did your new years resolution include getting your Homeowner’s Insurance policy in order? How about inventorying the items in your home? One of the most frequent questions we get at The Trident Agency when reviewing a Homeowner’s policy is, how do the adjusters know what I had if everything was destroyed.? While adjusters do a great job of determining a value for items that were lost or destroyed, insureds can minimize the stress by being prepared. One of the easiest things a California Homeowner can do is to video their personal belongings. Here at The Trident Agency we always recommend that you set a side a Saturday or Sunday and go from room to room with the video camera rolling. It is always helpful if someone can narrate during the video to help explain some of the details surrounding the different items within the individual rooms. Another recommendation is to lay small or valuable items out on a blanket so that they can be seen clearly. This is an especially good idea with jewelry. Once you have your video complete we like to recommend that insureds go back through and make a list of items that have serial numbers on them. It is also a good idea to record additional information such as makes, models. purchase prices etc…. If you have any items such as jewelry, art or guns you should talk with your agent about adding them to your Trident Home Insurance policy. In closing always make sure that you keep your inventory lists in a safe place away from your home.