Homeowners in Athens or Commerce, GA are not required by state law to purchase homeowners insurance, but the bank with whom you hold your mortgage will most likely require you to insure your property. In order to protect your possessions, it is vital that you complete a home inventory. You will want to do this before disaster strikes because it is entirely possible that your valuables will be completely destroyed in the event of a fire or a tornado.

Taking a Home Inventory

Take photographs of your property from the outside and from different angles. Go through your home, and make a list of the things you own and how much they are likely worth. It is a good idea to take pictures of items that are of particular value, and you should also write down serial numbers. The record of this inventory should be kept in a safe location away from your home or in a fireproof safe, and it can also be uploaded electronically via an app.

Collect receipts where you can, and you should make sure that videos or photographs are time stamped. It is recommended that you make a video explaining details related to your valuables and that you update your personal inventory three times a year. Go through every room of your house, making a record of what you own, and do not forget to take inventory of the items stored in your garage, attic, basement, or cellar. Communicate with your insurance agent, and make sure your insurance is adequate to protect you against the financial loss of your possessions.

Hyman Brown Insurance Agency, Inc. Can Help You

The agents at Hyman Brown Insurance Agency, Inc. are skilled at providing the residents of Commerce, GA and the surrounding areas of Georgia with the homeowners insurance solutions they need. You can call the office or stop in to speak to an agent about the insurance package that is right for you. Also, try our online rating tool to get quotes on home and auto insurance.