You may have little or no time to protect your valuables in a fire, flood, hurricane, tornado or other disaster. Many of your valuable items are priceless and can never be replaced by insurance. By taking simple steps now, you can safeguard your treasured belongings and information from damage or loss before having to make a claim on homeowners insurance.
The first step is to identify what you have. Go through your home to find your treasures. These may include items such as:
- Jewelry, guns, artwork, silverware, and collectibles
- Vital records and certificates (birth, marriage, divorce, adoption, child custody, death)
- Passport, driver’s license, Social Security card and other identification documents
- Financial records, including recent tax returns, copies of pay stubs and bank account statements, and debit and credit card numbers
- Insurance policies
- Wills, living wills and powers of attorney
- Medical records, including prescription medicines, medical conditions, medical provider contact information and copies of health insurance/Medicare/Medicaid cards
- Safe deposit box information and keys
- Family photos, keepsakes, or other mementos
- Photographic or data inventory of household property and valuables (photos, videos, CD/flash drive)
How to Protect Your Valuables
Find out if they are covered by homeowners insurance. Most valuable items such as jewelry, guns and artwork, are not properly covered by a standard homeowners insurance policy. If you have jewelry, guns, artwork, collectibles silverware, or furs. in an amount that exceeds the limits of your policy, ask your agency about rider or standalone policy to protect your items.
We recommend creating a photographic record or inventory of your all of your personal property including your valuables and store it in a safe deposit box or other off-site location. Consider keeping a copy on a CD or flash drive in your disaster kit, so that you can provide it to your insurance company following a loss; this will allow you to start the insurance/recovery process more quickly.
There are a number of other simple no-cost or low-cost steps you can take to physically protect your valuables:
Guns, and high value items such as jewelry should be stored securely in a locked safe whenever possible. Storing jewelry or guns in a safe may also get you a discount on your rider or standalone valuable items policy.
Its best to have safes permanently mounted so the safe itself cannot be stolen.
Scan important records such as vital records, medical records and financial documents. Save the files to a secure cloud based backup service, or save the files on disks or flash drives. You should password-protect the data you have stored in case of loss or theft. Store the discs and flash drives in a safe deposit box or other off-site location.
If you have too many records or no way to scan/copy them, store them in a flood/fireproof home safe or a safe deposit box. Consider giving backup copies of important documentation to family members to securely store for you.
Include any readily accessible records, such as medical records, insurance information, and medical contact information in your disaster kit.
In some cases, you may be able to protect valuables in waterproof containers available in sporting goods or hardware stores.
Take precautions to protect yourself from identity theft when you create backup systems to store critical information.
In addition to insuring your home, Coverage Pro Insurance is committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on developing a family emergency plan or building a disaster supply kit, please contact us at (321) 254-0095 or https://www.coveragepro.com today.