You might think that once you’ve bought your home insurance policy your work is done. But there are a few other things you need to do to get ready for the possibility of claims.

1. Take pictures. You should take pictures of your stuff – you know, the stuff that is covered by your home insurance policy. That way, if it gets ruined during an insurable incident you can show the company what was ruined and what condition it was in before the event. This will help make sure that you get reimbursed sufficiently for your loss. Once you take the pictures, be sure to store them somewhere safe and send a copy to your insurance company and your agent.
2. Store your policy. If you ever need to make a claim, then you will need quick and easy access to your policy. Store it in a fire-proof safe or offsite location that you can easily access.
3. Start thinking about discounts. Your home insurance policy is renewed annually. That means that you will get an entirely new premium next year. So this year, start thinking about ways you can get discounts on your policy when you renew it.
4. Compare costs. Just because the policy you bought was the best, most affordable policy this year, that doesn’t mean it will always be the best choice. Compare insurance premiums annually to make sure that staying with the company you initially chose is a good idea.
5. Set up automatic premium payments. If you don’t pay your policy annually, then you may forget to pay one month and end up with a lapsed policy – not a happy thing after an insurable incident. To avoid that, set up automatic payments for your home insurance policy.

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Tags: discounts, Home Insurance, insurable incident

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