Know Your Stuff

Almost everyone has insurance to protect their homes, the content of their homes, and personal liability in case someone were to get injured on your property.

And in the event of a burglary, a fire, a storm or a flood, your insurance is there to put the pieces of your life back together. After you pay your deductible, that is.

There’s one thing that most people don’t think about, though.

They think they have insurance, so they are covered for any loss. But in order to have your lost or damaged items replaced, you must be clear about exactly what you have in your home, and be able to prove it.

This means having pictures of everything, in most cases serial numbers, too.

When a burglary or a disaster strikes, people don’t realize how stressful it can be. And that it may be difficult to find all your records, if they have not been destroyed, to file a claim with your insurance company.

And if you can’t provide proof of what you lost, it’s likely that you won’t get any compensation to replace them.

So as a homeowner, (or even a renter), it pays to be smart. That means having everything organized, so you know exactly what you have. And having this information in a place where it won’t get destroyed, either.

That’s where the “Know Your Stuff” app comes in.

This app is provided as a free service from the Insurance Information Institute. And you can download it for your iPhone or Android phone by using your computer or tablet to go to www.KnowYourStuff.org, then clicking on the Know Your Stuff app button. Then use your phone to scan the QR code on that page to download the app to your phone.

Next, follow the simple instructions for doing your “home inventory” and entering everything in Know Your Stuff.

What’s great about Know Your Stuff is, unlike other apps where you have to print out documents, which can also be stolen or destroyed in a disaster, you get free, secure online storage for your app.

So no matter what happens, you’ll always be able to access your home inventory, in the event you need to make an insurance claim.

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