How do I know I'm getting the right insurance coverage?

Yesterday I visited a neighbors house- He had many very nice things shipped here from Europe- he made a comment that the stuff might be worth more then the house- he might be right - but he didn't know.

Any number of things could cause a disaster for your valuables. Money many times can't replace them but money will sure help start over. Insurance companies often times guess or "factor" the valuable when issuing a policy but you should "Know" the value so your not over nor under insured.

A simple way to do this is to make a digital video just like a home tour but out line every thing within the house.

Start with the basic fixtures lights, carpet, drapes next appliances zoom in on serial numbers make sure you can tape the model, read it into the recording if necessary.

If you ever move and rent the house this part is finished. But if you live in the house the next step is most important, now go back around the house stopping at art work, furniture, even your cloths closet. If you have appraisals or floater policies (this will help if you missed something) you can make a voice note as well.

Store this information in a safe secure place away from the house. Review it with your insurance agent and make sure your covered.

If you would like more information about the process, you can reach Brian at 772-204-9965, email him at b@SharkeyRE.com or visit his website at www.SharkeyRE.com.