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Personal Property Loss - Insurance Claims

Imagine you are away on vacation, and your home burns down to the ground. You’ve just lost every personal possession you own.

Let’s say that it would cost you $250,000 to buy the same personal items which were lost.

Think furniture, clothing, tools, kitchen supplies, toys, tech equipment, and more.

Imagine also that your furniture and interior decorations (Art, Statues, Pillows, Knick Knacks, etc) were hand selected by an expensive interior design company.

You file an insurance claim for your loss, and your insurer says they will pay you ONLY $110,000 to cover your personal property loss.

Of course we are making up these numbers, but how can you prove to your insurer that you truly had $250,000 worth of items to repurchase?

The best way to combat this dilemma is by walking around your home for an hour and taking multiple photographs of every room in your house to capture all of your personal property.

Once you’ve done this, it is important to put these digital photographs on flash drives, cloud storage and some other storage which can all be stored somewhere other than your home.

Doing this project has literally never been easier with the high quality cameras sitting in your pocket. You can even have your kids do this project, and they would be happy to!

None of us like to think about this happening, but with just an hour effort, you can head off any potential issues with your insurance claim.

Don’t Forget Those Fire Extinguishers!

Did you stock your home with the fire extinguishers we talked about?

If not, you can purchase them at this link: Buy Fire Extinguishers Here.

Home insurance rates up by 76% in some states

Over the last 6 years, home insurance rates have increased by up to 76% in some states. Between inflation, costlier repairs, and extreme weather, premiums are climbing fast – but that doesn’t mean you have to overpay. Many homeowners are saving hundreds a year by switching providers. Check out Money’s home insurance tool to compare companies and see if you can save.

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Some of the Best Home Organization Products

If you love organizing your home, here are some awesome products that can make a huge impact:

Closet wood hangers. These wood hangers from the Container Store are a great value, and look great in a closet. There are different types of hangers for each type of clothing. Check Them Out Here

Small Item Storage Organizer. This Stanley 25 compartment organizor is amazing. Each compartment is removable, and when the lid is closed, all the loose items stay within their compartments. Buy Them Here

Clear Storage Bins With Latches. A home necessity if you didn’t already know! These bins are invaluable to keeping an organized home. Buy Them Here

In Case You Missed It - 3 Must Have 2025 Products

Maintenance Reminder - Dryer Duct Cleaning

If you haven’t cleaned out your dryer vents and ducts within the last year we recommend doing so now. You also want to clean out the inside duct cavities of your dryer.

Cleaning out your dryer ducts has the following benefits:

1. Improves dryer performance

2. Improves energy efficiency of the dryer

3. Helps prevent dryer duct fires

4. Ensures your dryer is reliable

A dryer duct cleaning from a vendor should cost around $125 to $225. If you partner up with a few of your neighbors, you can likely ask for a 10 or 20% discount!

Make sure to ask if they will clean out the passageways inside your dryer itself, not just the ducts.

Also - If you like the dryer vent cover in the photo above, they are the best! Solid metal construction, easy to install, and awesome performance. You can pick them up by CLICKING HERE. They also have 6” versions for kitchen range hood exhaust.

The content of this newsletter is for informational purposes only and does not constitute professional advice. Always perform your own due diligence before making any financial decisions. There are no sponsors of this newsletter.