When it comes to renters’ insurance, having proof of what you own can make all the difference during a claim. At Swartz Premier Group Insurance in Moberly, MO, we often hear from clients who wish they had taken the time to document their belongings before an unexpected event. While it may not be the most exciting task, it can save you time, stress, and money.
How to Document Your Belongings
Start with a Walkthrough
Grab your phone or camera and do a simple walkthrough of your apartment or rental home. Narrate as you go—mention the brand, model, or condition of items if you can. Don’t forget smaller valuables, such as jewelry, electronics, or collectibles. Even your kitchen gadgets and clothing can add up more than you might think.
Keep a Written Inventory
In addition to photos or videos, jot down a list of your items. Include purchase dates, estimated values, and serial numbers if available. You don’t need to be perfect—just be thorough. Apps and spreadsheets can help keep everything organized and make updates easy.
Store Your Records Safely
Once you’ve documented everything, make sure your records are stored securely. Cloud storage is a great option, and you may also consider emailing a copy to yourself or a trusted family member. If you prefer paper, keep it in a waterproof, fireproof safe.
Stay Up to Date
Any time you make a big purchase or get rid of something significant, take a moment to update your list. It’s a small habit that pays off in a big way if you ever need to file a claim.
To learn more about how renters’ insurance can offer extra protection, reach out to Swartz Premier Group Insurance in Moberly, MO. We’re here to help you stay prepared and protected.
