Helpful Articles and Tips

We included an Article page that we will update frequently with information pertaining to insurance coverages, helpful tips, and frequently asked questions (FAQS). Check back often to see our new message of the month.

 

How Much Are Your Possessions Worth?

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Properly valuing your personal possessions is very important but can often be both tedious and difficult. However, the task is nearly impossible if you don't have good documentation of what you own.


The following list could be very helpful in identifying what you own and, more importantly, used as proof of loss in case disaster strikes such as a serious storm, theft, or fire. If you print and complete this list, make a couple of copies, keeping one or two at a location away from your home. If you also want to keep a copy at your home, use an insulated safe (small ones are sold for in-home storage of important papers). Another good location is to put a copy in a plastic bag and keep it in your freezer (which can offer extra protection for non-food items).

Besides listing what you own, it's also good to do the following:


*   Take pictures of and/or videotape your possessions
*   Keep your sales receipts
*   Keep your warranty information
*   Get appraisals and keep them current (appropriate for expensive property)

For items which you don't have receipts or product information, include information on when and where you bought the property.

It may seem like a lot of work, but you'll be happy to have this gold mine of information to assist your insurer in giving you protection against loss of your possessions.

General Personal Property

Inventory Completed By:

Date Completed:______
$Sofa, Couches, etc.

$Chairs

$Tables, End Tables, etc.

$Desks, Secretaries

$Chests, Cabinets

$Cupboards, Buffet, etc.

CONTACT US: At Capital Insurance, our experienced agents would be happy to discuss your concerns and/or expectations about valuables around your home.

PRODUCTS

Archive Articles

Click on the links below to download past articles to use as a reference.

- Value of Your Possessions

- Spring Crime Prevention Tips

- Insuring an In-Home Business

- Unfair Claims Practice

- Car Pooling & Auto Coverage

- Who Cares about Attractive Nusiances

- Winterizing Your Motorcycle

- Insuring Coin Collections

- Homeowner Coverages

- Insuring Jewelry & Gems

- Are These Tragedies Insurable?

- Long Term Care - The Basics

- Who Regulates Insurance?

- Can I Make My New Driver Safe?

- 6 Reasons Why Water Heaters Fail

- What Does Medicare Cover?

- Coverage on Custom / Electronic Auto Options

The Basics of Term Life Insurance

- Insurance on the Internet

- Renter Insurance Needs

- Do Roommates need special considerations?

- Insurance Fraud - Am I Protected

- Umbrella Policies

- Should I Insure My Hobby

- How Can I Preserve My Smaller Business?

- Charitable Giving Through Life Insurance

- Insuring a Condo or Co-op

- Is Your Home Winter Ready

- Are All Beneficiaries Alike?

- Should I Contribute to my 401K