Tag: insurance

Much of your home’s value is what’s inside

Brian Deleski on

There’s a popular saying that goes like this: “Home is where the heart is.”

 

That saying rings true for many who find “home” a safe haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate.

 

Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it.

 

Some of the things inside your house that helps make it your home include your furniture and appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s really important to protect it all.

 

How do I protect what really makes my house a home?

 

Protecting the important stuff inside your home begins with an understanding what you have. If you’re like many people, you may find your home contains much more personal property than you realize.

 

To understand how much stuff you have, develop a careful inventory of your personal property following these tips.

  • Use a video camera to record and audibly describe items as you move through your home. If you don’t have access to a video camera, use a standard camera or phone camera.
  • Whether you use still photos or video to develop your inventory, include brand names and descriptions where possible, especially on high-cost items.
  • Keep any and all receipts on high-dollar purchases. Keep these receipts filed together with any instruction booklets, warranties, etc. that accompany the items.
  • Store your video or photo inventory offsite on a cloud or back it up with an additional drive.
  • When you make new purchases, be sure to add them to your inventory.

 

If you have high-value items, be sure to check with us at Deleski Insurance in Roseville, MN so we can review your homeowners coverage to make sure you’re properly protected. We understand that your home is not just a house, and we are here to help ensure that everything important to you is protected—both outside and inside your home.

 

Contact Us! 651-633-0400

 

At Deleski Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 651-633-0400 or send us a note at bdeleski@aibme.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Personal Injury Insurance

atlas on

In a time of social media, viral tweets, and instant access to millions of people with the click of a button, it’s more important than ever to protect your family from a libel or slander lawsuit.

Consider this: In 2010, rocker Courtney Love tweeted to thousands of followers that her lawyer had been “bought off.” In return she was sued for libel, stating she used her “fame and influence to reach millions of people in an attempt to cause irreparable damage to the plaintiff’s business, name, and reputation.”

Although Love was cleared of the charges (the jury ruled that though her tweet included harmful false information, Love didn’t know it was false, and therefore not guilty of libel), the point is that anything you or your family submit on social media will be subject to the standards of traditional publishing.

Most homeowner’s insurance does not automatically include coverage for this type of exposure, called personal injury, but it is available as an addition to the policy, for a relatively low cost.

If you have further questions or would like to review your coverage, contact us.