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Home inventory is an important tool for homeowners, especially those with high-value items like electronics, furniture and jewelry. Having a detailed list of your belongings, including make and model numbers, can help you file an insurance claim in the event of a loss.
포장이사Creating a home inventory may seem daunting, but it can save you time filing an insurance claim, verifying losses for taxes and applying for financial assistance after disaster.
Insurance
Homeowners and renters insurance protects your possessions from damage caused by natural disaster, fire or a break-in. A home inventory can help you quickly file a claim and get reimbursed for your belongings. But a lot of people don’t have one, according to a recent survey by the Insurance Information Institute (III).
Even if you don’t have receipts for every item in your home, it’s worth cataloging any items of substantial value. “You don’t have to list every $20 item, but you should include those items costing that much or more,” says Brault. She also suggests jotting down the brand and serial number of electronics, as this can be important in making a claim.
Creating a home inventory takes some work, but it can be done on a schedule that works for you. You can make it a monthly or annual event, or even when you review your homeowners insurance coverage. And it can be updated as you acquire new possessions or part with old ones.
Many insurance companies offer apps or checklists that can help you conduct a home inventory. And a quick online search can uncover several third-party home inventory tools, as well. Whether you choose to use a home inventory app or go the paper route, it’s important to save multiple copies of your inventory in a safe place. That could mean emailing it to yourself or storing it in a cloud-based backup, like a personal storage account or a safety deposit box.
Taxes
Property taxes are a major expense 포장이사 for homeowners, and they’re often based on property values. But the good news is that home prices have jumped so rapidly that property taxes are increasing at their slowest pace ever, according to real estate data company ATTOM. Governments should consider reforming recurrent property taxes and lowering housing transaction taxes, according to an OECD report. Local property taxes vary, but some may include inventory taxes. The tax is not deductible.
De-cluttering
Decluttering is a great way to change your habits and get rid of excess belongings in your home. It also helps you get a better view of the items you own, which is important for your home inventory. Taking an inventory will help in case of a disaster and can be used to verify losses for insurance or tax purposes. This process can be a lot of work, but it will be worth the effort in the end. Creating an inventory will help you declutter your home, change your spending habits, and give you peace of mind in case of a disaster.
Start with a clean slate by going room by room and systematically sorting your belongings. Make a list of everything you own, including the item’s description and estimated value. Once your written list is complete, take photos of each room and its contents. The photos will be useful if something is missing from your written inventory. Group together like items, such as silverware or figurines.
The next step is to determine what you will keep. If you have extra things, donate them or sell them for cash. For valuable items, research their current value on the internet. Make sure that the items you decide to keep are stored properly, preferably in a secure location. This will prevent damage or theft.
Budgeting
If you are a homeowner or renter, it is worth taking a home inventory to protect your belongings from theft, fire, and other damage. You can use a simple list, photographs, video, or an app to compile your inventory. Make sure to include items in your storage closets, attic, basement and shed as well as your outdoor furniture and grill. It is also a good idea to include any valuable paperwork that accompanies your possessions. A good way to start is by taking a room-by-room approach, checking all of the spaces including your drawers and even under your bed.
If your time is limited, you can find many home inventory apps on the market to help you quickly complete your list. Some are free, while others require in-app purchases. A visual record of your belongings is important, and you should also note their estimated value and purchase date. You can also keep a paper copy in a safe place outside of your house, such as in a safety deposit box or online cloud storage.
Another important factor that affects home inventory is the months’ supply of existing homes. This metric is reported monthly by the National Association of Realtors (NAR). It indicates how many months it would take to sell all existing properties in a given market based on current sales. A lower months’ supply is often associated with higher price appreciation.