There’s no way to know what will happen when a storm makes landfall or when a river overflows. Understanding what is covered in your homeowner’s policy before a disaster strikes can help you get the most out of your coverage and make filing a claim much smoother.

A tip that we like to give to our policyholders is to keep a detailed and updated list of your property’s contents and valuables. This list should include the model, year and serial numbers of high value content like computers and TVs. You can help prove the value of your property by taking pictures or video as well as having an appraisal to determine the value of the product. If you choose to keep paper records, store your important documents including your list of property contents in a waterproof bag or container in an easily accessible spot. If you go the electronic route, keep all documents safe with a strong password on a flash drive or external hard drive in a waterproof bag or container.

The contents of your home are important so don’t rush when choosing the contents of your insurance policy. Most homeowner’s policies cover property and liability. Deciding to add more coverage to your policy can be determined by the perils of your area. Flood or dwelling fire coverage can be added in the event you live in an area required to have this coverage or if you determine that it would be beneficial to make sure all your bases are covered. Click here to check out what coverage Lighthouse offers in your area.

After you’ve determined the type of coverage you need, ensure that you know what your settlement options are. The cost of the policy will vary depending on the type of settlement. This can be the replacement cost of your home and valuables, actual cash value, or stated value coverage.

We know that cost is important when picking a policy so always ask for available discounts. Some can be offered for seniors, new homes, gated communities, having fire alarms, or storm resistant doors and windows, and many other features. Ask your Lighthouse agent about our discounts.

If a disaster strikes and you suffer damage to your home or property, it is important to file your claim as soon as you can. Save all receipts from any construction or purchases you needed to make including hotels, restaurants, or supplies you had to buy after the damage. Take pictures and/or video of all damage to your property/valuables. Click to learn more about the claims process.

Following these tips can provide you with peace of mind knowing that you, your family and your valuables are protected from the uncontrollable.