Homeowner's Insurance Documentation

Homeowner’s insurance exists to help protect your property and possessions against unforeseen damage or theft. Most home loans require homeowners to establish some form of insurance before closing to make sure that the property is adequately protected against weather, vandalism, and other damage.

It is important for new homebuyers and current homeowners to establish and responsibly maintain insurance coverage on their investment. Homeowner’s insurance often covers not only the exterior of the home, but may cover valuables and personal property against some forms of damage, as well as theft. For more information on homeowner’s insurance and buying a home in the Austin area, contact the Austin real estate professionals of the Carvajal Group at 512-419-7770.

Documenting Your Possessions

It is wise for homeowners to document their possessions in case they need to file an insurance claim. Documentation often includes:

• Keeping receipts for items purchased. This typically includes valuable electronics, tools, jewelry, and other major purchases.
• Record serial numbers and other specific information in the event of total loss or theft of the item.
• Some individuals choose to photograph their valuables as added proof of possession.
• Log valuables and keep the documentation in a fireproof/waterproof safe in the event of major catastrophe.

As a general rule, homeowners should be as organized as possible when documenting their possessions for possible homeowner’s insurance claims.

Contact Us

If you are interested in buying a home in the Austin area, contact an experienced real estate agent of the Carvajal Group at 512-419-7770 today.