Most of us have things in our home that we treasure.

This could range from jewelry and expensive silverware to high-end bicycles, musical instruments and personal computers. And we likely have some family photos and memorabilia that would be tougher to put an actual price on, as well as other things we don’t think much about, but still have value.

TVs, stereo systems, furniture, clothing, art work … these come to mind.

The point is, we have all of this stuff, but most of us never make an inventory. But with wildfires cropping up everywhere this summer, it would be a good idea to create a list of your valuables – particularly if you live in or near an area prone to these blazes.

Creating a list — with the estimated value of each item — will simplify things in the event that you need to file an insurance claim.

And fire isn’t the only bad thing that could happen. Your home could be broken into while you’re away, with thieves taking many of those things you’d hate to lose.

One of the easiest ways to create an overview of these items is to make a video that shows each one. You can zoom in on brand names and model numbers so there’s no ambiguity as to the value.

Most insurance companies will accept this type of proof during a claim and some even recommend this method. But check with your insurance company ahead of time to see if a video is acceptable.

Most of the time, you can simply tell your insurance company that you owned certain items, but if you’re not specific with a model number and brand, your insurer will likely reimburse you for the cheapest comparable item. 

So take the time to make or film an accurate list of what you have. If something bad happens, it will pay off!

Questions? Call Carol Smith at 661-803-3803 for an insurance quote or visit insurancescv.com.