Are You Prepared to be a Victim of Burglary?

Are You Prepared to be a Victim of Burglary?

We know that no one wants to be a victim of a burglary, but the fact is that a burglary happens every 18 seconds. Even if you are never a victim, you should always be prepared to file an insurance claim if needed. Claims may be needed for other losses including flooding, fires or more.

Prevention

There are many new electronics out there to help prevent burglary in the home. Security systems including alarms, cameras and motion detectors can protect your home and sometimes even reduce your home insurance costs! We highly recommend looking into home security electronics and preventing burglary before it happens.

What You’ll Need

When you file a claim, you’ll need to have some information to ensure you get the full amount you can.  For items with serial numbers and/or model numbers, those should be recorded, as well as the manufacturer, purchase date and the amount paid.

It is best if you can store your inventory list somewhere other than your home. In the digital age we live in, storing this information on the cloud is the best option. You’ll have access to it anytime and from anywhere. If that is not an option, consider a safety deposit box or keeping a copy at a secondary location such as your work or at a close friend or family’s home.

What to Track

There are so many items that we use and possess that it can be hard to get an inventory of every single item. It’s also important to keep your inventory updated when you make new purchases or get rid of items. Here is a list of the major categories you should include in your inventory.

  • Electronics
  • Furniture
  • Major Appliances (Washer, dryer, refrigerator, etc.)
  • Small Appliances (Blender, mixer, wine cooler, food processors, etc.)
  • Fixtures (lamps, clocks, etc.)
  • Home Décor
  • Window Treatments
  • Cookware
  • Dining utensils/cutlery
  • Tools
  • Sports Equipment
  • Clothing
  • Collectibles
  • Jewelry
  • Computers
  • Software
  • Printers / Copiers / Fax Machines
  • Security Systems
  • Smart Home fixtures

Other items you may not think to include that would change almost daily might include food, personal hygiene items, toiletries, prescription drugs, cleaning supplies and more. Basically – anything that you would need to replace in the event of a whole-home loss should be listed with as much detail as possible.