Insurance is an interesting concept, mostly because it’s something that we all pay for, but hope we never have to use.  This is because when we have to call the insurance company it means that something went wrong.  It means we were robbed, got into a car accident, had a flood in our basement, you get the idea.  While insurance can’t bring back sentimental objects, it eases the financial burden when things go sideways and can help replace the bulk of what went missing or was ruined.  This being said it can be a good idea to take photos of some of your most prized possessions. Not only can this help your insurance claim, it can also help the police if you have to fill out a report.  With digital files and “clouds”, you don’t really need printed photos of these valuables (although there is nothing wrong with a physical photo), you just need to be able to access it should your computer also falls victim to the house fire etc.

Here is a handy checklist of personal items and treasures that you should take photos of for your own records, just in case that day we hope never comes arrives.  It’s better to take the Scout’s Motto here and ‘Be Prepared’!  Remember to take colour photos, and when possible include the price tag of the item, purchase cost, and date of all photos.  You can even group items together for photos if you’d like!

  • Office equipment (computers, tablets, printers etc.)
  • Cameras
  • Cellphones
  • Expensive glassware
  • China
  • Silverware
  • Antique furniture
  • Stereo equipment
  • Electronics (TV, Blue Ray Player, Video-gaming systems, video games, etc.)
  • Clothing (think your most expensive suits, designer shoes or gowns)
  • Expensive fixtures (did you spring for those brass ornate taps?  Take a picture of them)
  • Sports equipment (because things like skates, helmets, and other customized products are not cheap to replace!)
  • Jewelry (including wedding and engagement rings)
  • Artwork (professional photography, paintings etc.)
  • Rare and expensive bottles of wine or other spirits
  • Hobbies can be expensive, take photos when possible and/or keep copies of your detailed spreadsheets around that inventory your collections of any of the following:
    • stamps
    • coins
    • records/music
    • ornaments
    • knickknacks
    • instruments
    • collectible books
    • sports cards/trading cards
    • movies
    • CDs
    • rocks
    • dolls
    • comic books
    • other

 

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