An inventory of your possessions could be very useful in the event of a fire, burglary, or natural disaster. It is a list of all the personal items you own and includes information about when you purchased each item, its price at the time of purchase, and any other identifying details (e.g. model or serial numbers).
Even though itemizing all of your possessions may seem like a daunting task, there are some tricks and short cuts you can use to complete your household inventory faster.
If you are among the estimated 40% of people in the U.S. who maintain a collection of high-value items, chances are good you’re also among the many people who believe their prized collection is covered in the event of a loss.
But consider this: most personal property coverage with your homeowner’s insurance is a percentage of the value of your home (usually 50-70%), and insurers place limits on the reimbursement value of individual items. If the value of your collection exceeds that limit, you’re out of luck.
While millions of acres of US land are destroyed by wildfires every year, there are plenty of other natural disasters happening that homeowners need to prepare for.
Remember that some of these disasters’ “seasons” are changing due to the changing severity of the climate crisis. The traditional wildfire season used to last from May to October, but in recent years, devastating fires have broken out late in the year and even before the “official” season has started.
Whether you’re decorating your very first home or are looking to spruce up your place, finding the right artwork can be a good investment for the future. Photographs, sculptures, paintings, textiles, and other artwork frequently appreciate in value over time.
To protect your cherished pieces, it’s important to display the artwork in a way that not only reflects its quality, but protects it from future damage. Here are four tips to best display and protect the art in your home.
The warm seasons of the year mean spending more time outdoors and in nature, but it also means wildfire season for some areas. If you live in a region threatened by forest fires, read our guide on how to protect your home and household.