new year- time to review your insurance!

With the New Year upon us it is time to do your home and renters insurance review.  Add coverage to your home insurance for items like jewelry, watches, guns, gold ware, silverware, and art.  Most policies have limitations to these types of items.  Have you updated or renovated your house?  Be sure to discuss any changes with your agent.  

Also, update your home inventory.  Take pictures of each room and closet.  Save copies of receipts of big purchases.  The more information you have the better.  Save the pictures somewhere safe like a cloud storage.  Do not save them on a hard drive in case the computer is damaged in a fire or stolen.  

Having an inventory helps a claims adjuster identify the property you have and it also helps you remember what you own.