Make the Most of Your Home Insurance Dollars

Make the Most of Your Home Insurance Dollars

What’s the best way to make the most of your insurance dollars and protect your belongings in case of an emergency or disaster? Create a home inventory of everything you own.

According to the Insurance Information Institute, the home inventory will help you to:

• Purchase enough insurance to replace the items you own.
• Get insurance claims settled faster.
• Substantiate losses for income tax purposes.

To make the task easier, the Institute created “Know Your Stuff – Home Inventory Software” available as a free download at The software lets you store digital photographs along with your list of possessions. You can burn a copy of the information on a CD or print out a room-by-room document and store either in a safety deposit box or other secure location.

Here’s good advice: Make it fun by getting the family involved. Have your kids help out by opening closets and drawers and listing the contents. At the same time you can clean out any unwanted clothes and donate them to organizations such as the Big Brothers Big Sisters or the Kidney Foundation of Hawaii.

If you encounter any old computers which are still operable go to which lists several organizations that will accept donations of electronic equipment.

About the Author

Brandon Lau grew up in Kailua and currently resides in Honolulu with his wife Andee and children Caylah, Elijah, and David. His eighteen years in real estate led him to become a Partner at ChaneyBrooks Choice Advisors. Over the past 10 years he has developed the team and systems that has created a high level of service and value for his clients.

What differentiates Brandon and his team is his consultative approach to real estate. He advises clients with relevant data and expert insight to help them make the best choices in real estate. Good choices in planning for long term dispositions, negotiating for the best price or knowing when not to pursue an investment are ways his consultative services will give you an advantage in the marketplace. His bottom line is providing service with the utmost integrity and expertise.