If you are a homeowner, you need a home inventory. Chances are that you will need to file a claim at some point with your home insurance company. When filing a claim, a home inventory is a big help in getting the process moving smoothly and quickly. At Goshen Group Inc. in Glen Carbon, IL we work with our clients to make sure they have the correct amount of home insurance and it’s affordable.
Creating and storing a home inventory
A home inventory is a listing of the contents of your home. Think about that. If a covered peril damages or completely destroys your home, you will need to let the insurance company know what needs to be replaced. Imagine trying to give them a list when you are traumatized by the damage done. Making the inventory when everything is in its place is much easier.
Get a notebook, and bring along a way to take pictures. Do one room at a time and list everything in the room. Big and small, open drawers and closets. Make your list as detailed as possible. Add brand names, model numbers, and serial numbers if applicable. Take pictures of the rooms from various angles, and make sure big items are featured. Attach invoices or sales slips and have appraisals for pricier items.
Don’t forget to go into the attic and the basement. Visit the garage and a shed if you have one. When you are finished you need to find a safe way to store your inventory. It is better if you store it away from your home to keep it safe. Making a copy and placing it on the cloud works. A safe deposit box is another good option. In any case, make sure it is in a fire and water-resistant box.
In Glen Carbon, IL contact Goshen Group Inc. for all your home insurance needs.
When it comes to the kind of commercial insurance your small business needs, it helps to have an insurance agent who knows the ins and outs of your business and the risks you face. In Glen Carbon IL there is the Goshen Group Inc. We make it our business to understand your risks and mitigate them as much as possible.
Small businesses are more vulnerable to many hazards. Making sure that your commercial insurance offers you the right protection helps to guarantee that you won’t be one of the businesses that doesn’t survive.
Commercial Property Insurance
No matter what type of small business you have, there will be property involved. You may think if you rent you don’t need property insurance, but you would be wrong. Beyond the physical building, commercial property insurance covers the things you need to do business. That might be machinery, office equipment, computers, printers, tools, raw materials, or inventory. All of these would cost you a lot of money to replace if your business was hit by a covered hazard. Having to replace everything could kill your business without commercial insurance.
Commercial Liability Insurance
Small businesses are particularly vulnerable to being sued. It is a sad fact. You need to be prepared to pay a judgment and legal fees. Most businesses don’t have the extra cash to handle something like this. Your commercial liability insurance can literally save your business.
Business Interruption Insurance
When your business is hit by a covered hazard you may be closed for a period of time. You won’t have any income, but unfortunately, your bills won’t stop. This insurance will help you remain in business even without income.
Contact Goshen Group Inc. in Glen Carbon IL when you are ready to discuss the kinds of commercial insurance that are a good fit for your business.