Are You Properly Insured?

Flood insuranceAs I sit here preaching the merits of being properly insured, I am as guilty as most in neglecting to create an up-to-date inventory of my home possessions.  On many occasions, I had thought to myself “Wouldn’t it be a good idea if I videotaped everything in the house so I could have an accounting of my possessions?”  I have YET to do this!  So, this blog entry is as much for me as it is for every homeowner out there.  Most of us are fortunate never to have to file a homeowner’s insurance claim for a loss incurred.  Yet none of us truly knows when that next tornado, hurricane or fire might come our way.  No one wants to think they’ll be burglarized but obviously, that’s a possibility, as well.

“According to a 2012 survey from the National Association of Insurance Commissioners, over 75% of consumers don’t have a home inventory. ”  That’s a pretty staggering statistic! Here are some very basic tips to make sure you and your possessions are protected against theft or in the event of a catastrophe.

  1. Review your policy.
  2. Take photos of the exterior.
  3. Photograph each room from 4 angles (or videotape).
  4. Open every closet, cupboard, and drawer.
  5. Update after any improvements or major purchases.
  6. Take photos of serial and model numbers of electronics.
  7. China, crystal and silver need special attention.
  8. Don’t forget the garage and/or sheds.
  9. Make digital copies of things that can’t be replaced – photos, family videos, etc.
  10. Store home inventory off premises (or in The Cloud!).

Read more here!

Irene Morales Ward, Realtor

Because Choosing the Right Realtor DOES Matter!

Because Choosing the Right Realtor DOES Matter!

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About Quantico Homes

Working primarily as a referral agent, my main motivation is to be able to provide you the highest possible level of service as you look to buy or sell your home in the Northern Virginia Real Estate market. You should be so impressed with your service that you will feel compelled to refer me to your family, friends and colleagues. Our time together is always well spent meeting your specific needs because my time and effort is not spent looking endlessly to generate more business. As a Buyer's Agent, the buyer's criteria becomes paramount during the home buying process. Your needs will never be compromised because Dual Agency is not something I participate in. This is a distinguishing characteristic from many in the industry and I stand firm in the belief that no client in a transaction (whether a buyer or a seller) should be without 100% representation. You deserve all the loyalty and attention from an agent who will always have only your best interests in mind. Keeping in mind that Northern Virginia is a highly transient area, I am always privvy to sales reports and market analysis of all the surrounding counties from Alexandria/Arlington to as far south as Richmond County and from east on the Potomac and Rappahannock Rivers to the Shenandoah (and all points in between!). Between the military, corporate, and government relocations, having an agent working to provide you with the latest statistical information and market trends is imperative to a successful sale or purchase. Also, as an e-Pro, finding you homes and communicating that to you becomes increasingly efficient, as does marketing properties for sale. Using exceptional photography for virtual tours, staging all listings, and incorporating "out of the box" methods to generate the largest number of buyer leads while Marketing Your Property For Sale, I can save you time, money and frustration. Start your search for homes at http://www.IreneMoralesWard.com!
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