Talk about renters insurance for those who are the tenants. Let’s not leave our renter friends out of the conversation. (designer491, Getty Images) Renter’s Insurance You can find a checklist of what you need on the Today’s Homeowner page on Erie’s website.Ī renter’s policy from Erie Insurance can protect your belongings after a covered loss. Sortly, Memento Database and Nest Egg are a few you can use. Categorize clothing and keep receipts.Īpps are popular and there’s an app for everything, even home inventories. Take videos or photos and narrate or write down what each item is so you remember in the future. Maybe your most valuable items or go from room to room. When creating a home inventory, begin at a small starting point. Michelle: If a catastrophic event were to happen, it can be extremely overwhelming to remember for memory everything valuable in your home. How do you even start the process of creating a home inventory? (c-George, Getty Images) Creating a Home Inventory Original receipts are always best, but a photocopy can work in some cases. When compiling a home inventory, save receipts for big-ticket items. With that information, they can get the ball rolling and find the coverage that’s right for you. These are just a few things you want to talk about with your agent. And, let your agent know if your family is growing or changing. Do you run a business out of your home? Make sure to mention that so your business materials are covered. If you’ve remodeled your home or plan to remodel, tell your agent. Make sure everything that is important to you in and around your home is covered. Michelle: You should have an open dialogue with your agent. What all should you discuss with a home insurance agent? (Adobe Stock) What to Talk About With Your Agent Some home insurance policies only cover a certain amount of square feet, so let your agent know if you’re planning to remodel. If you don’t have it, you might come up short up on funds and face steep out-of-pocket costs. If your home is destroyed, this coverage will to pay to rebuild it no matter what the cost. If you were responsible for damage to someone else’s property or someone was injured on your property or if your pet injures someone.Īdditionally, I’d like to add, one coverage that Erie offers and we recommend all customers have is guaranteed replacement cost. A policy will cover valuable items that are important to you inside your home should those be damaged or stolen.Īnother thing is liability. It would cover the exterior of your home if there is damage. Michelle: Homeowners insurance provides financial protection in the event something crazy happens, like an accident or weather-related event that damages your home.Īt Erie Insurance, we think about this in a few different ways.įirst is the home itself - the structure. (Mohamad Fazil Bin Ramli/Getty Images) Why You Need Homeowners InsuranceĮvery homeowner has homeowners insurance but many don’t know why - what is the purpose of homeowners insurance? Homeowners insurance provides financial protection in the event of a disaster.
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