How to make a home inventory and why you need one

Buying a home is something  Americans strive to achieve. Once you have saved and finally found your dream home, you need to make sure you have a good home insurance policy and an agent you can trust to have your best interests at heart. Pro Insurance Group in Follansbee, WV has been serving our community for 60 years. We provide exceptional service, and when you need us, we will be there for you. If you are filing a claim, we will help you through the process, and having a home inventory will make the process go smoother and quicker. 

A home inventory is a listing of all the items that you own and are in your home. If a covered hazard such as fire or tornado hits, you may not have many houses left. You will be asked to provide the insurance company with information about the contents before the damage occurred. Imagine being in a state of shock and thinking about everything in your kitchen or in your closets. It would be overwhelming. 

By making the inventory ahead of time, you can easily provide the insurance adjuster with the information they need to process your claim. You can opt for using a pad and pen or make a digital inventory. No matter which option you choose, you will want to be sure you record model names and serial numbers, especially on electronics. For jewelry or art, you should have an appraisal and take lots of pictures. The more detail you provide, the easier things will go. Lastly, store the inventory in a safe place. Ideally, it should be off-site but if you keep it in your home,  place it in a fire and waterproof safe. 

Contact Pro Insurance Group in Follansbee, WV for more information about home insurance.

Three questions to ask when you buy home insurance in West Virginia

Home insurance is an essential financial product that homeowners need. Homeowners in Follansbee, WV can depend on Pro Insurance Group for their home insurance needs.

The following are three questions you may want to ask when you’re in the process of buying home insurance in West Virginia. 

Why is homeowner’s insurance necessary?

Some first-time homeowners might find themselves wondering if home insurance is really necessary. After all, home insurance is not required by law.

While home insurance may not be required by law, it is required by mortgage lenders. You have to purchase home insurance if you borrow money to finance your home purchase.

Otherwise, home insurance is just a good idea. It protects your investment in your home and ensures financial protection against many different types of home damage. 

Does homeowners insurance cover damage from mold?

Mold can cause a lot of damage in a home. Homeowners insurance may cover mold damage depending on the circumstances. 

Home insurance may cover mold damage if it is caused by damage due to frozen pipes or specific plumbing or HVAC malfunctions. However, mold damage probably won’t be covered if caused by flood damage or a sewer backup. 

You need to read the fine print on your policy to determine if it covers mold damage. You might want to invest in added types of coverage like flood coverage and sewer/water backup coverage to enjoy enhanced protection against mold damage. 

What decisions will I make when purchasing home insurance?

You’ll need to decide between replacement value or actual cash value coverage when you buy a policy. You’ll also need to determine your deductible amount and what add-on features you want your policy to include. 

You need to ask the right questions to find the right home insurance policy in Follansbee, WV. If you have questions about home insurance, we have answers at Pro Insurance Group. Contact us today to learn more about our insurance products.