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Homeowners Insurance HOMEOWNER

A standard policy insures the home itself and the things you keep in it.

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Browse a variety of insurance options in order to find the right one for you.

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Can You Name Every Item in Your Home?

Many people don't think about the many items they have collected over the years. Many items are used every day, but often never thought about. Many items are replaced throughout the years, but no thought is given to the increased value of inventory. Creating and maintaining an inventory of items in your home can help ensure you have purchased the right insurance coverage. In the event of a loss, it can help you settle a claim faster, and put less strain on your brain in an already stressful situation.

How do You Create Your Home Inventory?

Creating and maintaining your home inventory is easy with free software available from the Insurance Information Institute. At knowyourstuff.org you can download the free software, learn how to use it, and continue to maintain and update your inventory after it is completed. Their free secure online storage will allow you to access your inventory anywhere, any time. You never know when a claim may happen, but you can be prepared with an up-to-date online home inventory.

What Should You Include in Your Home Inventory?

You should take inventory of everything of value in your home, and update the list as you acquire new items. Here is a list of some of the most common items:

  • Electronics (TV, Gaming Console, Computer)
  • Kitchen and Household Appliances (Washer/Dryer, Microwave, Oven, Refrigerator)
  • Furniture
  • Clothing
  • Jewelry
  • China
  • Silverware
  • Artwork
  • Antiques
  • Linens
  • Books
  • Guns
  • Sporting Equipment

Some items like jewelry, antiques, and other special items, may need to be insured separately. Talk to one of the specially trained independent agents at Rutt Insurance to make sure you have the coverage that you need.


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