Earthquake coverage is not provided on typical homeowners insurance policies but can be added for an additional cost. Flood insurance provides coverage for natural flooding, which isn’t provided under standard homeowners insurance. Flooding and earthquake coverage are two of the most commonly used add-ons. State Farm also has add-ons for those who need extra coverage. Personal property coverage reimburses you for damaged personal items. Loss-of-use coverage handles the cost of a hotel and other necessary expenses if you need to find alternative housing while your home is undergoing repairs. Medical payments coverage helps take care of medical expenses for a guest injured on your property. Personal liability coverage helps pay for legal fees and medical bills if you’re held responsible for someone being injured on your property. Dwelling extension covers structures that are detached from your primary property. Dwelling coverage protects the overall structure of your home, including floors, countertops and built-in appliances. Record it. Walk through your home or apartment as you take video and describe the household contents.The standard State Farm homeowners insurance plan provides multiple benefits, including:. Don’t forget things that are in closets or drawers. Take pictures. Besides the list, you should take photos of rooms and important items. Check with your insurance agent or company to make sure that you have adequate insurance for these items they may need to be insured separately. Don’t overlook big-ticket items. Valuable items like jewelry, art work and collectibles may have risen in value since you got them. Start with recent purchases and then try to remember what you can about older items. Still, it’s better to have an incomplete inventory than nothing at all. If you’ve been living in the same house for many years, however, the task of can be daunting. Don’t be overwhelmed. If you’re just setting up a household, starting an inventory list can be relatively simple. The Rocky Mountain Insurance Information Association offers these tips for taking stock of your household items: Of those who don’t have home inventories, 48 percent don’t receipts 27 percent don’t have photos of their belongings and 28 percent don’t keep backup copies of their inventories away from home. “And, remember, there is virtually no part of the country that is immune from some sort of catastrophe.”Īccording to a 2012 survey by the National Association of Insurance Commissioners, 59 percent of Americans don’t have a home inventory of their possessions. This helps you to purchase the right amount of insurance and will make the claims process faster and easier if there is a fire, hurricane or other type of disaster,” Salvatore added. “A home inventory lists all your personal possessions and their estimated value. 
“Having an up-to-date home inventory is one of the best ways to make the most of your insurance dollars,” Jeanne Salvatore, a spokeswoman for the Insurance Information Institute, said when the Know Your Stuff app was released in 2008.
#State fram insurance home inventory list free#
Free What You Own Home Inventory software.Gotta Have It Software’s Home Inventory app and Home Inventory Online app.The National Association of Insurance Commissioners’ free MyHome app.The Insurance Information Institute’s free Know Your Stuff app.For more information about the tool, visit State Farm’s HomeIndex isn’t the only home inventory tool available. The free tool is available only to State Farm policyholders. “The information is stored virtually and can be accessed using multiple devices, wherever the customer is, at any time.” “State Farm HomeIndex allows customers to easily inventory their personal property, evaluate their current coverage and recover quickly in the event of a loss,” Patty Gaumond, vice president of enterprise Internet solutions at State Farm, says in a news release. State Farm says the data is securely stored online. State Farm HomeIndex enables customers to create an inventory of their personal property by adding photos and details about household items, listing them by room and by category. State Farm has introduced an online tool that lets homeowners take an inventory of their household belongings.
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