Study. If you have a home
office or library, there is a good chance you have a significant
amount of electronic equipment there. Additionally, you will likely
have valuable documents and work stored there as well. These are
worth
recording.
Kitchen. While the
kitchen may not be the first room in the house to occur to you as
being a store of valuables that you should make note of and possibly
insure, you might be surprised at the actual monetary value of
everything you have in there. Small appliances such as food
processors, mixers, blenders, coffee makers, as well as larger
appliances such as dishwashers, refrigerators, and oven ranges should
all be accounted for. Additionally, you should make note of
significant pieces of cookware—these can be pricier than your
appliances sometimes!
Bedroom. In addition to
the furniture and fixtures in your bedroom, this is where items that
are typically on your person will be found when they are not in use.
Expensive pieces of clothing should be noted, as should jewelry.
Additionally, if there are electronics in your bedroom, be sure to
record those as well.
Storage areas. These
include, but may not be limited to: closets, attics, and basements.
Sports equipment, such as golf clubs, definitely needs to be recorded
and insured. Other valuables that you typically find in these spaces
include antiques that may have been passed down along the family, as
well as collectibles (such as china, crystal, and figurines) that are
not being displayed. You may have a musical instrument here that is
not in use. On top of these more commonly recorded and insured items,
be on the lookout for items that you are particularly attached to,
regardless of whether they are typically considered valuable. Certain
toys or even textiles may be difficult to replace should something
happen to them. Make note of these possessions that you want to
protect against disaster.
Shed. Don't forget your
outdoor equipment! Power tools are one of the most targeted
categories of items for theft, as are bicycles. These are prime
candidates for protection against theft and damage via insurance.
Remember to have both hard and soft
copies of your inventory handy, and to leave copies with a friend or
family member as well.
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