As many homeowners are doing their spring cleaning, there is no better time to take stock of your belongings. Putting together a home inventory can help individuals and families track important items in the event of a future loss.
"Unfortunately, you never know when a disaster may strike and you might suffer the loss of a home," says Mitchell H. Jawitz , vice president, personal lines marketing at The Hanover. "In that time of need, it's difficult to recall all of the personal items one may have lost. Having a home inventory can help you to replace everything in your home in a fast and efficient way if you have a covered loss."
Tips for creating a home inventory:
List Everything: First, go through each room, listing major items. Include purchase date and price, if known. Save, store and make copies of receipts –keeping them outside of your home. Include serial numbers for appliances, electronics, and cameras.
Take Photos or Videos: Open all closet and cabinet doors. Stand in the center of each room and take one picture of each wall or scan the room with a video camera.
Let Technology Help You: Visit Hanover.com to find a link to the Insurance Information Institute (III)'s program, Know Your Stuff, which allows you to use your computer or smartphone to inventory your possessions and store it in a safe online account.
Once the home inventory is created, it is best to keep it up to date. List and photograph new purchases and gifts as they arrive in your home. Delete items you no longer own. Make it a habit in the spring and the fall. And, it is good practice to check in with an insurance agent about whether items on the list are insured. Some homeowners' policies will have limited coverage on jewelry, collectibles, or other expensive valuables. These items need to be insured separately. An independent insurance agent can offer valuable advice and help you distinguish between what is covered and what is not.
I specialize in helping buyers and sellers invest in real
estate in Loudoun County and Northern
Virginia.
I have over 25 years experience in the real estate
industry. As a Broker/Owner with Exit Realty Talbot and Company, I bring
special tools and solutions that enable me to exceed the expectations of my
clientele. If you are considering listing your property in Loudoun County
or the nearby areas, ask me about our latest internet marketing systems.
I would appreciate the opportunity to earn your business. I am
experienced in listing and selling short sales.
For information on the
short sale process, please visit www.LoudounShortSaleSolutions.com.
For a free market analysis on the value of your home, please
visit http://www.LoudounHomeValues.com
My past awards and designations include – 2003 President of
the Dulles Association of Realtors, 2003 Dulles Area Assoc Realtor of the Year,
Salesperson of the year 2000 Dulles Area Assoc of Realtors, Top Producer
awards from both the Dulles Area Association and the Northern Virginia
Association of Realtors. I am a member of the Top 5 in Real Estate Network.
I have lived in Loudoun County since 1979. I am
married with two grown children and two grandchildren. My son in law is
my business partner in real estate. I love to jog in the mornings and
spend time relaxing on my Trawler during the summer months.
Loudoun County and Northern
Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. I
specialize in helping buyers and sellers invest in real estate in the Northern
Virginia area to include Loudoun County and surrounding areas including
Fairfax, Clarke, Fauquier, Prince William Counties. Our local
neighborhoods includeLeesburg, Ashburn, Sterling,
Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country
Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Purcellville, Hamilton,
Round Hill and
Bluemont.
Cell 703.727.9885 Office 703.574.3800
Free iPhone/Android Mobile App to search Northern
Virginia real estate. 2 easy ways to get the App: Text “Exit9” to
87778 or enter http://87778.mobi/Exit9 into your browser.
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