When it comes to apartment insurance, second in importance to your home possessions is a record of your home possessions.
You can do this easily with a home survey. Here’s how:
1. A comprehensive home inventory should include a spreadsheet with the item description (make, model, serial number, value, and purchase date).
Even more important for showing proof of ownership is having a visual record of your possessions. Thirty or so digital photos are easy to forward to an adjuster.
2. It’s important to thoroughly document your belongings to help the claims process go smoothly. Move from room to room, listing items as you go — and list their receipts, credit card statements, and appraisals (include the appraiser’s name and address).
3. Use cloud storage, like Google Docs or Dropbox, which can also store images.
Remember: Written inventories are useful for reminding you what was in your possession when making a claim, but they are not accepted as proof of ownership — digital photos and credit card receipts are.