What's the best way to make the most of your insurance dollars and protect your belongings in case of an emergency or disaster? Create a home inventory of everything you own.
According to the Insurance Information Institute, the home inventory will help you to:
- Purchase enough insurance to replace the items you own.
- Get insurance claims settled faster.
- Substantiate losses for income tax purposes.
To make the task easier, the Institute created "Know Your Stuff – Home Inventory Software" available as a free download at www.knowyourstuff.org. The software lets you store digital photographs along with your list of possessions. You can burn a copy of the information on a CD or print out a room-by-room document and store either in a safety deposit box or other secure location. Here's good advice: Make it fun by getting the family involved. Have your kids help out by opening closets and drawers and listing the contents.
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