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Are you as ready for winter to be over as I am? The first signs of spring send me into spring cleaning mode.
As you’re cleaning out your closets, take some time to think about everything that remains and how you can give a “tune-up” to your insurance portfolio. (While you’re at it, take a look at this video from Expert Real Estate Tips on how to organize your closets.)
How much “stuff” do you have, and can you put a price tag on your belongings? To keep your insurance portfolio up to date, it’s important to figure out the value of your belongings and somehow track all the contents of your house. While you may be insured for a certain amount on your homeowner’s policy, it’s not as if the insurance carrier will just write you a check up to that amount.
Every household is different. You may have a studio or a thirty-million-dollar house. Either way, you are responsible for knowing what your household is worth so you can get paid should you experience a partial or total loss of contents.
We suggest the following:
What should be included in your home inventory? Use the following checklist to keep track of your belongings.
Insurance documentation checklist:
Have you seen the show “Hoarders”? I hope you’re not facing a spring cleaning job of that magnitude, but starting the process can feel overwhelming. If you can’t get organized, don’t know where to start, or don’t know how to purge, hire someone or ask a friend or family member for help.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.