Homeowners Insurance, Palm Bay, Florida - Personal Property, Contents

Well, insurance isn't all about buildings. Your homeowner's policy also covers the things inside your home, which some of you may have significant value invested in what’s in your home, meaning things like your furniture, electronics, your clothes. People always underestimate the cost to replace a closet full of clothes. If you're sitting there right now thinking, you know what, there might – if you’re a guy – there might be one suit in there that’s worth a thousand dollars, that might cost a thousand dollars to replace. One suit. The ladies might be sitting there thinking about their closets thinking, "I don’t even want to know how much this is gonna cost to replace all of this stuff if we have a fire loss or a hurricane."

I had a girl in my office tell me she was paying $750 for a pair of shoes.

$750 for one pair of shoes. There could be 10 pairs of those shoes! It’s unbelievable. What is inside your home is extremely important that you have it replaced after it’s damaged just as much as it is having your home replaced.

The other thing I would suggest is you take your video camera and go through your house room by room and document what you have. The insurance company is gonna ask you to make a list of everything you lost and the value. You can go in your closet, and you’ll see everything, but you're never gonna remember all those items. If you have a videotape, you can say to the adjuster, “Here sir, this is what I lost.” it makes it a lot easier. It jogs your memory. "Oh, I forgot about that." Everybody remembers their couch, their TV, their stereo. But do you remember the stuff in the drawers? All that kind of stuff. So it is important.

Right. And making a record of it can seem very tedious. It can seem very time consuming, but any information that you can have for the insurance company after you’ve had a loss, any information whatsoever. Whether it be receipts, whether it be serial numbers, warranty information, service contracts, or what’s infinitely better than all of the above, like you said, frank, a video. If you have video evidence of everything that was inside your house, and you keep a copy of that, that will make the insurance company's life so much easier when they’re trying to adjust your claim, and it will help make sure that you get what you lost and not anything less.

Again, give your agent a call, review your policy, and if you’d like a second opinion, give us a call at the Insurance Center of Central Florida. Our number is below.


Insurance Center of Central Florida
http://www.TheInsuranceCenter.us/
1-888-363-4706