Important Things You Should Know...

It’s a great idea to identify your belongings before an incident or theft occurs by making a record of what you have and it’s valued. An insurance adjuster is going to look for those records and receipts when calculating how much the insurance company can offer indemnification for. The more detailed the information the better the probability of full payout for the loss. Appraisals of diamond rings or jewelry and artwork are a great way to provide proof of value. Appraisals, receipts, invoices, billing, and etc all need to be accounted for and organized so you know where to look when mayhem happens. You can also identify your belongings by engraving an identifying number on your possessions or videotaping them. Another great way to capture what you own is to take a picture with your cell phone and store those pictures in a safe place. That way if something is stolen or damaged you can show the adjuster the proof of what it cost and get coverage for it. By not having listed accounts of your possessions can lead to a disorganized claim handling experience which may result in loss of recoverable money for those possessions. There are too many sad stories to tell of people who were not prepared and organized for such losses.

How much are your clothes, furniture, electronics, jewelry, and etc worth to you? You’ll need coverage for that amount or the amount you think it will take to replace all of those items. Can you afford to replace YOUR POSSESSIONS? Allstate Insurance offers affordable ways to help protect your possessions. Plus, it can help cover theft outside your home, forgery for covered losses, lawsuits and more, up to policy limits.  A homeowner’s and renter’s policy will cover your property including theft, fire, water, family liability, guest medical expense, and your living expense if your apartment or house is damaged and you are unable to live there. You can also customize the policies to get the protection you need for the things that are most important to you. For those most important valuable items you can schedule them and get agreed value which is what the item is worth and not the actual cash value which is less depreciation. For low monthly premiums, you can protect your possessions and more. Plus, by insuring your home and auto with Allstate, you can save money on both with a multiple policy discount.

We recommend our customers talk and meet with Andrea Hancock, Head Professional Organizer & Owner of B Dexterous. Her company is phenomenal in helping people get the pieces of their lives with organization (and home inventory).



 

Jason Kilgo

 

Allstate Insurance

 

 

Kilgo Insurance Agency, Inc.

Office: 703-339-5300

http://agents.allstate.com/jason-kilgo-lorton-va.html

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