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Home My WebLink AboutCA Department of Insurance, Dave Jones Insurance Commissioner – Home Inventory Guide SuenrvC 4m FBUrrECcorry Of CALti4� DAVE JONES Insurance Commissioner DEC 2018, OROVILL CALIFog /� I/1 November 9, 2018 P�1�� The Honorable Doug Teeter BOS District 5 Supervisor 747 Elliott Road Paradise, CA 95969 Dear Supervisor Teeter, Fire season is year round in California. I would like to remind homeowners to be prepared before disaster strikes and solicit your assistance in reaching your constituents with this valuable information. The California Department of Insurance (CDI) is offering to send you copies of our Home Inventory Guide, a critical tool for proactive preparation and documentation of possessions, for distribution at no cost! Samples of the guide are enclosed. To get free Home Inventory Guides shipped to you for distribution to your constituents, please: • Contact us with the number of guides needed by calling toll free 877-401- 9550 or emailing your request to crb@insurance.ca.gov. • Provide a contact name, phone number and mailing address. In addition to making an inventory of their possessions, homeowners should consult local fire officials and follow their guidance to protect their home from fires, including creating defensible space around their property and prepare their families with an evacuation plan should a disaster strike. Additionally, the CDI offers the following tips to homeowners to make sure they are prepared before disaster strikes: • Digital Documentation — Using a household digital camera or your cell phone and a Home Inventory Guide from the California Department of Insurance, catalogue your possessions and document their values. Photographs of household goods are especially helpful when an item is difficult to describe on paper, or if a purchase receipt cannot be obtained. Insurance Protection for All Californians 300 CAPITOL MALL, 17th FLOOR SACRAMENTO, CALIFORNIA 95814 PHONE (916) 492-3500 • FACSIMILE (916) 445-5280 Commissionedones@insurance.ca.gov , so o Label photographs with information about each item. o If a video is used to record household items, commentary about each item should be included. • Safe Storage of Documentation — A copy of the inventory and supporting documentation, such as receipts and model numbers, should be stored in a safe place, such as a safe-deposit box, work office, or send to a friend or family member out of town so it does not get destroyed if your property is destroyed. Digital copies of receipts and important documents should be saved at a server offsite or stored in the Cloud. These records should also include financial documents such as insurance policies and mortgage information. ▪ Insurance Policy Review— Homeowners are encouraged to review their homeowners' insurance policy with their agent to determine if they have sufficient coverage limits for the dwelling, personal property, and any special characteristics, such as antiques, expensive jewelry, and other valuable collections. • Replacement Costs — Homeowners are encouraged to contact their insurance company and ask for a replacement cost estimate, consult with a contractor as a comparison, and adjust policy limits accordingly. Homeowners should ensure that the insurance company is aware of any separate structures on the property for consideration in the replacement cost estimate. Homeowners should keep accurate records of any updates, renovations, and improvements to their home, save the receipts and inform the insurance company of the changes immediately to ensure the property is adequately covered. • CDI Resources: Home inventory Guide and Consumer Hotline —Take advantage of the free resources made available by the Department: o A free Home Inventory Guide is available on-line at www.insurance.ca.gov or a hard copy can be mailed for free upon request by contacting the Department o Contact CDI Consumer Hotline at 800-927-4357 to obtain consumer information guides about additional insurance products, or for any insurance-related questions It is far better to have your inventory guide completed and not need it, than to need it and not have one. Thank you. Sincerely, cji.; DAVE JONES Insurance Commissioner Enclosures: CDI Home Inventory Guide • www.insur n ov i i G i .r r �M6 4 Ili er ',,Ii,11 ,„1?1,.,,1„, „,, A 9 r ,y0j,9v „ 4074 11;;;,'1):'; Va/:/14Pa, :0O1'4",00 ii7A4AY,*4),,otsoviaii ;,4),04''04R;;V,6p/Axi Jn ,11:1%.4 „„. Dear California Consumer: The California Department of Insurance (CDI) is the nation's leading consumer protection agency and your best resource for honest and impartial answers to insurance questions. We have knowledgeable insurance professionals staffing our consumer hotline. My staff is available to help you get answers to insurance related questions, file a request for assistance, or report suspected insurance fraud. Call 800-927-4357 or visit www.insurance.ca.gov to view all of our consumer information guides and insurance resources. These tools are available to consumers for free. Thank you for giving us the opportunity to serve you. Sincerely, Dave Jones California Insurance Cornmissioner „flip, ,t * * „Itgight xiPtumvervw Introduction . . , . . . . . . . . ~ ^ . . . . . . ~ ^ ^ ^ ' ^ ' ' ' ' ^ ' ^ ' ` ^ 3 . _ . . . . . . . _ _ _ _ . . . . . . .Inventory Tips ^ ' ' ' - ' ' 3 Homeowner's Bill B'U| nf Rights. _ . ^ ^ . . ^ ~ . . . . . _ . , . . . . . . 5 � Insurance Coverage . . . . . . . - . . . . . . . . - . . . . ~ . . . . . . ~~ Structure or Dwelling Coverage . . . . . . , . . . . . , . , . , . . 7 Living 'ng Roo00 - . . . . - ^ . . . . . . . . . . . ^ . . . . . . . . . . , ~ . , . 8 Dining Room . . . . . . . ~ , , . . . . . . . . ^ . , , , , . . _ . . . , . . . 11 Kitchen . . . . . . . . . . . . . . . . . . . . . . . . ^ . . ' ' ' ' - ' ~ ' ^ ' "�� ^~ Master Bedroom . . . . . . . ~ . . . . . ^ . ^ . . . . . . . . . . . . . 14 Master Bathroom . . . . . . . . . . . . . . . ^ . . ^ . . - ' ' ' ' ' ^ ' ^ ' ^1'� Bedroom KJ[}. 2 . . . . . . . . . . . . . . ' ' ' ' ' ' ' 18 Bedroom No. 3 . _ . _ _ . . , , . ^ , . . . . . . _ . , . , 19 Bedroom No. 4 . . - . . . . . . . . . . . , ^ . ^ , . . . . . . . . , . . , 2R Bathroom No. 2. . . . . . . . . . . . . . . , . ^ ^ , , _ . . . . . ^ . . . 21 Bathroom No. 3. . . . . . . . . . ' ' ' ' ' ' ^ ^ ' ' ^ ' ' ' ' ' ' ' ' ' ~ 22 Bathroom . _ . . _ . . . . . _ _ _ . . . . . 23No. 4. 23 Family Room . . . . . . . . . . _ . . . . , . . , ^ . . . . . . . . ~ . , . . . 24 Of6re/K 'brarv/StndV. . . . . . . . . . ^ . . . , . . . . . . . , . , , . . . 25 Den or Loft . . . ~ . . , , . . . . . . . . . . . . _ . . . 26 Linen . . , , . . . . . . . . . . , . . . . . . . . . . . . ^ . . . . . . 27 Books . . . . . . . . , . . . . . . . . . . . . ' ' ' ' ' ' ' ' ^ ^ ' ' ' - ' ^ ' ��^ "-" Jewelry . . . . . . . . . . . _ . . _ . . . _ 29 Collectibles/FineA _ _ . _ . . . . . _ 30rts/Antiques , . . 3B Garage/Workshop . _ . _ _ . . . . . _ _ 31. ' 31 Outdoor Equipment & . . . . . _ . . . . _ _ _ 32~ q2 Computer Equipment _ _ . . . . . _ _ _ . 33 Sporting Equipment . . . . . - - . . . . . . . . . . . . . . . ~ . . . 34 Miscellaneous Items . . . . . . . . . . . . . . . ^ . ' ' ' ' ^ ` ~ ^ ` ' ' 35 Summary ofItems_ . . . . . ' ' ' ' ' ' ^ ' ' ' - ' ' - ' - ' ^ ' ' ' ' ' 36 ~` Talk to the Department of Insurance . . . . . . . ^ . . . . . . _ 39 . _ _ _ . . . . . . . . . _ . _ _ . _ . . . 40Index . z&[) Storage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BackEnvelope ^ ' Back Listing all your possessions in the event of a disaster such as fire, an earthquake or burglary can be difficult. The emotions experienced after a loss may present a big challenge when you try to remember all of your personal possessions. Natural Disasters can strike anywhere at anytime. It is very important to take inventory of your personal property before you have a loss. A complete household inventory can help you establish: A record of the contents of your home and their value. A record of serial numbers of your electronic goods and appliances. An indication of whether or not your insurance coverage is adequate. This booklet is strictly intended as a guide to aide and assist you in documenting your possessions. Each home is unique in ifs structure. Therefore, it may be necessary for you to copy certain pages or add additional sheets to complete your inventory. Please feel free to copy any page you may need. A home inventory should be completed to keep track of your belongings and valuable items. A home inventory guide is available to all consumers through the Department of insurance by calling us at 800-927-4357 or visit our website at www.insurance.ca.gov and download the Home Inventory Guide. In addition, the National Association of Insurance Commissioners (NAIC) has launched an app for your iPhone®orAndroid phone which allows users to create a home inventory of your possessions. The free app lets you quickly photograph and capture images, descriptions and serial numbers, and stores the information electronically for safekeeping. The app organizes everything by room and category, and creates a back-up file for e-mail sharing. Photographs of household goods are especially helpful when an item is hard to describe on paper, or if a purchase receipt cannot be obtained. Each photograph should be labeled with date stamps and any additional pertinent information. You can get further information by visiting the NAIC website. We recommend the following tips: 1. Walk around with a video camera, video every drawer and commentary about each item, email to someone offsite; or 2. Use the NAIC myHOME Scr.APRbook app which is available through 'Tunes for iPhone® and the Android Marketplace; or 3. Use this Department of Insurance paper version which provides insurance information and tips. A copy of the inventory and supporting documentation, such as receipts and model numbers, should be stored in a safe place, such as a safe-deposit box, work office, or a relative's house. These records should also include financial documents such as insurance policies and mortgage information. Home inventories should be updated at least three times per year, and your insurance company should be notified of new purchases so that you are adequately insured for the entire amount of your belongings. We recommend that you document all the personal property in your residence. Please use this booklet as a guide. While the pages of the booklet may include the main sections of your home many other areas may not be indicated. Do not forget the other areas such as extra closets, pantries, basements, attic, etc. Go through each room; write down and take photos or videos of everything in the room. If you take videos, the video should include copies of receipts (if available) next to the item and also clearly show the serial number (if applicable). If video is used remember to date stamp all documents; the date of the recording. We encourage you to have a friend or family member operate the video while you narrate in a slow and clearly audible tone. Storage Of Inventory Guide Storage of your Home Inventory Guide is essential. We recommend that you keep an updated copy of the document in hard copy or electronic storage devise (such as an external drive or flash drive) in at least two of the following places: Fire resistant box in your home, i.e.,a safe. At your place of employment in a locked cabinet. With a family member, close friend or relative. With your accountant and/or lawyer. Safety deposit box. Remember it is important to store copies of your inventory in a safe place away from your home. Updating your Inventory Guide Updating your Home Inventory Guide is very important. Major purchases such as flat screen televisions and refrigerators should be included in this guide at your earliest convenience after the purchase. We suggest you review and update your Home Inventory Guide three of four times a year (such as at the beginning of each season) to keep the document current. Once you have completed your updates, check with your agent or insurance company to determine if your coverage is adequate or if additional coverage is needed. The largest single investment most consumers make is their home and related property. In order to best protect these assets, it is wise for consumers to understand the homeowner's insurance market. Consumers should consider the following: Read your policy carefully and understand the coverage and limits provided. Homeowners insurance policies contain sub limits for various coverages such as personal property, debris removal, additional living expenses, detached fences, garages, etc. Keep accurate records of renovations and improvements to the structure of your home, as it could affect your need to increase your coverage. Maintaining a list of all personal property, pictures, and video equipment may help in case of a loss. The list should be stored away from your home. Comparison shop for insurance, as not all policies are the same and coverages and prices vary. Take time to determine the cost to rebuild or replace your property in today's market. You can seek an independent evaluation of this cost. You may select a licensed contractor or vendor to repair, replace, or rebuild damaged property covered by the insurance policy. An agent or insurance company may help you establish policy limits that are adequate to rebuild your home. Once the policy is in force, contact your agent or insurance company immediately if you believe your policy limits may be inadequate. A Consumer is entitled to receive information regarding homeowner's insurance. The following is a limited overview of information that your insurance company can provide: The California Residential Property Insurance Disclosure. An explanation of how your policy limits were established. The insurance company's customer service telephone number for underwriting, rating and claims inquiries. An explanation for any cancellation or non-renewal of your policy. A copy of your policy. The toll-free telephone number and internet address (URL) for reporting complaints and concerns about homeowner's insurance issues to CDi's consumer services unit. In the event of a claim, an itemized, written scope of loss report prepared by the insurer or its adjuster within a reasonable time period. In the event of a claim, notification of a consumer's rights with respect to the appraisal process for resolving claims disputes. In the event of a claim, a copy of the Fair Claims Practices Regulations. The information provided herein is not all-inclusive and does not negate or preempt existing Cali- fornia law. If you have any concerns or questions, the officers at our Consumer Hotline are here to help you. Please call us at 800-927-4357 or visit our website at www.insurance.ca.gov. Attach Here Please attach a photo copy of your current Homeowner's declarations page(s). Homeowner's Policy Information Name Insured: Insurance Company: Insurance Company's phone number: Policy Number: Agent's Name: Agent's Phone number: Along with documenting the personal property within your home, the accurate coverage of your residence itself is a very important aspect of homeowner's insurance. The replacement cost of your home is based upon its square footage multiplied by the cost per square foot to rebuild your structure. The quality of construction and your home's refinements should also be considered. Unless you are willing to take a loss, the dwelling or structure limit should be the amount it would cost to replace the house. Most insurers have in-house formulas which they use to evaluate the replacement cost of your home. However, you may find these formulas are not necessarily consistent. If you do not understand any part of your policy or have questions about what it covers, contact your insurance agent or company. The cost to rebuild your home may be very different from the market value of your home since reconstruction is based primarily on the cost of labor and materials. Many factors can affect the cost to rebuild your home, including the size of your home, the type of construction, and any unique features. Because of the variability,your independent agent should be able to assist you in establishing an appropriate limit to rebuild your home. You may also wish to contact a local building contractor in order to determine the current cost to rebuild your home per square foot. If this information greatly differs from your insurer's determination, be sure to have the contractor reflect his computations in writing, preferably under his business letterhead. Lastly, it is important for you to periodically assess and, if necessary, update your insurance limits in order to maintain an appropriate limit that reflects current construction costs. Find out from your agent or insurer if your homeowner's insurance coverage limits are automatically reviewed or increased each year. Remember, ultimately it is your responsibility to make sure you are adequately insured, Items Specific Brand Name/Model Date Purchased Purchased Price Furniture Chairs How many Coffee tables How many End tables How many Shape Lamps How many Size Love seat Curio cabinet Type Other tables Paintings Pictures Piano Sofas How many Tapestries Living Room continued Fireplace Brand Na or Description' Date Purchased Purchase Price Check Type ❑ Brick ❑ Built-in ❑ Free standing ❑ Portable ❑ Steel ❑ Tile ❑ Other Flooring " Description/Square feet/etc. Date Purchased;: Purchase Price Check Type ❑ Area rugs ❑ Carpeted ❑ Hardwood ❑ Laminate ❑ Marble ❑ Other Television Brand-Name/Model/Serial# Date Purchased ;i Purchase Price Check Type ❑ Flat screen ❑ Regular screen ❑ Other type StereoEquipment -Brand-Name/Model/Serial-# Date Purchased" Purchase Price Check Type ❑ Speakers ❑ CD/DVD player ❑ DVR ❑ Cable box ❑ Power strips ❑ Surround Sound Other Brand Name or Description Date Purchased Purchase Price 9 Living Room continued Window Style and Description Date Purchased Purchase Price Treatments Check Type Height Width LI Drapes LI Blinds LI Shutters Number of windows El Shades El Other Additional Items Description/Square feet/etc. Date Purchased Purchase Price Notes / Liv)r)q. 13.pQn.), a)s/ , / /// / /' ' Table Style Brand Name or Description Date Purchased Purchase Price Check Type O Square Dimension: El Round Ell Rectangular Width El Oval Other Length El Chairs Style Description Date Purchased Purchase Price No.of chairs Lamps Specific Brand Name/Model Date Purchased Purchase Price No.of lamps Check Type Describe Lampshades El Floor LI Table top o Other type Silverware Specific :rand Name/Model Date Purchased Purchase Price Service for how many LI Sterling Silver El Silver plate El Other Additional Dining Room Items Date Purchased Purchase Price China cabinet Dimension Buffet/Server Dinnerware Service for El China Ej Correll Ell Other Drapes Shades Chandelier Wall hanging Dining RcorriTc:italls' , , „ ' ' - z$ Stove/Range Style Brand Name/Model/Serial# Date Purchased Purchase Price Stove/Range Check Type Dimension: 1:1 Free standing 0 Built-in Width O Counter top Length 0 Other I Refrigerator I Style Brand Name/Model/Serial # Date Purchased Purchase Price Check Type Side by Side 0 French Door ID Drawer O Bottom El Regular 0 Other Dishwasher Specific Brand Name/Model/Serial # Date Purchased Purchase Price I I Oven Specific Brand Name/Model/Serial# I Date Purchased Purchase Price No.of ovens 0 Included on stove 0 Built-in Additional Kitchen items Date Purchased Purchase Price Microwave 0 Free standing O Built-in Cutlery/utensils Crystal Wall hangings Ceding fans Window treatments 0 Curtains E] Blinds 0 Shades El Shutters Eating utensils Mixer/Blender Telephones Other Specific Brand Name/Model/Serial # Date Purchased Purchase Price Kitchen continued r Cookbooks How Many Description Date Purchased Purchase Price Pantry items How Many Description Date Purchased Purchase Price Canisters Spices Specific Description Date Purchased Purchase 1°rice Pots& Pans Specific Description Date Purchased Purchase Price Kii,(:hnto L'/// //, 9 " " items Specific Brand Name/Description I Date Purchased Purchase Price Furniture Armoire Bed frame Size Chairs How many Chest of drawers Dresser Fan(ceiling) free standing Bedside tables How many Lamps How many Size Ottoman Size Paintings Pictures Safe Sofa How many Tapestries Wall mirrors Shape Other • Master Bedroom continued • Items Specific Brand Name/Description Date Purchased Purchase Price Electronics Television VCR Playstation/Xbox/etc. Surround system Other Bedroom Date Purchased Purchase Price Area rug/Carpet/etc. Window coverings D Drapes ▪ Shades O Shutters • Cl Blinds Clock radio Telephone 15 Master Bedroom continued from previous page Items Specific Brand Name/Description Date Purchased Purchase Price Ciloset Any built-ins Clothes Shoes Master Bedroom Tot&s $ ';% ' Items Specific I Brand Name/Description Date Purchased Purchase Price Electric Items Hair dryers Haw many Electric toothbrushes How many Electric razor Other 1-athroorri tems Date Purchased j Purchase Price Hamper Soap dish Toothbrush holder Window treatments Pictures Bath mats Racks Wall mirrors Type Bath Tub Shape Jacuzzi Shower Sauna ....... Master Bathroom Totals Items Specific Brand Narrue/Description Date Purchased Purchase Price Furniture Armoire Bed frame Size Chairs How many Chest of drawers Dresser Fan(ceiling) Bedside tables How many Lamps How many Size Ottoman Size Mirrors Pictures Window treatments Recliner Bedroom 6 . ota1 Items Specific Brand Name/Description Date Purchased Purchase Price Furniture Armoire Bed frame Size Chairs How many Chest of drawers Dresser Fan(ceiling) I Bedside tables How many Lamps ' How many Size Ottoman Size Mirror Pictures Window treatments :,t//64r6/$5 erl///46:3117iif: W;,-2;tPf*f4t,'//// 1,AX //,%/A;ks;11 % * Items Specific Brand Name/Description Date Purchased Purchase Price Furniture. . . Armoire Bed frame Size Chairs How many Chest of drawers Dresser Fan(ceiling) Bedside tables How many Lamps How many Size Ottoman Size Mirror Pictures Window treatments a.; 46dtd6tfttis:i;Ntr,icqvtattwxu;s;iiy;z;rwi(.cfg;a6estgog?:ag;;A,A:iggpiit:;:,;g,*,4;;xofemo:*t:,:i4i,igpa*Rgo;:;guwAa 2. items Specific Brand Name/Description Date Purchased Purchase Price Bath mats Electric toothbrushes Flooring Hair dryers Hamper Razor Chairs Bath tub or combination Shower curtains Soap dish Towels Pictures Window treatments Commode 11/ zglifathfl:0,6:Jhia Items Specific Brand Name/Description Date Purchased Purchase Price Bath mats Electric toothbrushes Flooring Hair dryer Hamper Razor Chairs Bath tub or combination Shower curtains Soap dish Towels Pictures Window treatments Commode flathtdorti items Specific Brand Name/Description Date Purchased Purchase Price Bath mats ---- -Electric toothbrushes Flooring Hair dryer Hamper Razor Chairs Bath tub or combination Shower curtains Soap dish Towels Pictures Window treatments Commode Bathroom No.4 Tata 1$, z Items Specific Brand Name/Description Date Purchased Purchase Price Furniture Sofa End tables Row many Coffee tables Loveseat Lamps Electronics Surround system Gaming systems DVD player Other Room Items Flooring, Pictures/Paintings Window treatments Telephone Movies , c✓ii . � , ✓ � �, . // ifi /, �ii/ / ic ///. ii / / /ie,i �l/�c., / ✓i ' i, i (<411,,a/1111S////// / a / ✓i iiic .ii i/ / i.ri.i / // % // ,o� ii/ci /// ,// , / / �.i/ Items Specific Brand Name/Description Date Purchased Purchase Price Furniture Chairs How many Desk How many End tables How many Shape laam Lamps How many Size Book cases File cabinets Printer table How many Pictures Other items Window treatments Floor treatment Books Telephone Book shelves Other /7 /, /,; ,,,!;;// , // /,10 4idv, /(4 /;///7 1,///1',/7"/, Items Specific :rand Name/Description Date Purchased Purchase Price --- Furniture -low many Chairs -1 Coffee table ow many End tables -low many Shape Lamps How many Size Window treatments Ceiling fan Floor treatment Built-in's // Items Color Description Date Purchased Purchase Price edroorti Linens Table Linens Bath Linens Cifieflcloseil'otols ' r Category Series Titles Date Purchased Purchase Price rg,13/61144cir64 ,14,7,://,,;;A:g1;Y/'% •44/ /;4/e /•`/P', 44;". `111i/I4A /z7;WrI';'*Iz /fld 'zI;i4t'/'/44;/0A400131`/Ie*41/',/,,,,;;c41'/;,/“6//4 !4;/1/,'/;/ rJ items Specific. Brand Name/Description Date Purchased Purchase Price —, Most insurance policies only provide a limited amount of coverage for jewelry, collectibles and fine arts. We encourage you to schedule your jewelry, collectibles and fine arts to make sure these items are adequately covered.Your insurer will in turn cover the scheduled items for their appraised value. Please contact your insurer or insurance agent to discuss scheduling these items, 2 Items Specific Brand Name/Description Date Purchased Purchase Price - . . CoOect ; ts, Fine Arts &Antiques TotalsU;%.',:::15%,VgtF;t1;%Ifwp,7;ttszzlii,,o5,:guRg41 '14,;i:1%/gr,,?A4igy.,ItyoyA,,,/$0;sPrlo!vgvtz.,71i,71.5sg,077. 4. Most insurance policies only provide a limited amount of coverage for Jewelry, collectibles and fine arts. We encourage you to schedule your jeweiry,i , collectibles,Antiques and fine arts to make sure these ite !s are adequately covered, Your insurer will in turn cover the scheduled items for their appraised value, Please contact your insurer or insurance agent to discuss scheduling these items Items Specific Brand Name/Description Date Purchased Purchase Price Tools Saws Dolls Other items Work bench Ladders Lawn mower Edger Blower Cabinets /i f / //ir/ /iii //�/ / / //� / 'ar e//WoH opTotal i/ / / / // / / / // / / „/„/' / / / % r/ items Specific :rand Name/Description Date Purchased Purchase Price Furnfture Bench/Swings Storage units Patio set BBQ grill Umbrella or canopy Pool/Spa equipment ,Additional outdoor items ilitddotiETi 64/16fritlotdtals,i/z, items Specific Brand Name/Description Date Purchased Purchase Price Monitor Computer tower/CPU Keyboard Mouse Scanner/copier Digital camera 2nd monitor External drive External modem Speakers Laptop Digital camera -rA4; 5( /% /' / 1 ;C'eeriflpifi,:$44,401trcilt; 1 5' // - Most insurance policies only provide a limited amount of coverage for computer equipment. We encourage you to schedule any computer equipment if it exceeds your policy limits to be certain these items are adequately covered. Your insurer will in turn cover the scheduled items. Please contact your insurer or insurance agent to discuss scheduling these items. items Specific Brand Name/Description Date Purchased Purchase Price Golf clubs Golf bags Bowling balls Bowling equipment Bikes His Hers Other gear ,‘, S'1)(ortlrig EqtAipirt (itTotais // items Specific Brand Name/Description Date Purchased Purchase Price 1*,et'itern.e Dog house Litter box Mise ST IS z z We hope this has proved to be more than an exercise for you. Your home and its furnishings are normally your greatest possessions. Taking stock of your real and personal property not only provides a measure to compare your insurance coverage by, it also allows an individual to gain a true perspective of what their possessions mean to them. Summary of Items Totals from Room or Category Cost Replacement cost page(s) at time of loss 8-10 Living Room 11 Dining Room 12-13 Kitchen 14-16 Master Bedroom 17 Master Bath 18 Bedroom No. 2 19 Bedroom No. 3 20 Bedroom No. 4 21 Bathroom No. 2 22 Bathroom No. 3 23 Bathroom No. 4 Summary of Items continued Total from Room or Category Cost Replacement cost at page(s) time of loss 24 Family Room 25 Office/Library/Study 26 Den or Loft 27 Linen Closet 28 Books 29 Jewelry 30 Collectibles/Fine Arts/Antiques 31 Garage/Workshop 32 Outdoor Equipment 33 Computer Equipment 34 Sporting Equipment 35 Miscellaneous Items Grand total as/0 f date // „„.„„/ ' We are the state agency that regulates the insurance industry. We also work to protect the rights of insurance consumers. Contact the California Department of Insurance (CDI): If you feel that an insurance agent, broker, or company has treated you unfairly. If you have questions or concerns about insurance. If you want to order CDI brochures. If you want to file a request for assistance against your agent, broker, or insurance company. If you are having difficulty filing a claim with your insurance company. To check the license of an agent, broker, or insurance company. Consumer Hotline 1-800-927-4357 TTY 1-800-482-4833 8:00 AM to 5:00 PM, Monday to Friday, except holidays www.insurance.ca.gov California Department of Insurance 300 South Spring St., South Tower, Los Angeles, CA 90013 300 South Spring St., South Tower, 9°' Floor, Los Angeles, CA 90013 8:00 AM to 5:00 PM, Monday to Friday, except holidays items Page 1 1 items Page Bathroom no. 2 21 Insurance Coverages 6 Bathroom no. 3 22 Introduction 3 . Bathroom no. 4 23 Inventory Tips 3 Bedroom no. 2 18 Jewelry 29 Bedroom no, 3 19 Kitchen 12 Bedroom no. 4 20 Linen Closet 27 Books 28 Living Room 8 ...„ Collectibles/Fine Arts/Antiques 30 Master Bathroom 17— Computer Equipment 33 1Master Bedroom 14 — _... Den or Loft 26 Miscellaneous Items 35 Dining Room 11 Notes 38 ----..... 1 Disclaimers: Office/Library/Study 25 Collectibles/Fine Arts/Antiques 30 1 Outdoor Equipment 32 - _...._ --"""Computer Equipment 33 Sporting Equipment 34 ......._ Jewelry 29 Storage Envelope Back .... Family Room 24 Structure or Dwelling Coverage 7 Garage/Workshop 31 Summary of Items 36 Homeowner's Bill of Rights 5 Talk to the Department of Insurance 39 Homeowner' A s Policy Information 6