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Written by Adam Miller
Photographing your home or business helps ensure you get insurance coverage for all your valuables and assets.

With the increase in smartphone usage throughout America, many more people have access to a camera for quick shots of family members, friends or scenic locations. While cameras are often used for casual photos, they can also be used for important financial reasons, such as photographing your personal and business possessions for insurance purposes. When disaster strikes, such as a flood, fire, major wind damage, lightning strike, theft or other major catastrophe, people are not always able to completely recall all their personal or commercial possessions, much less their value or condition. However, photographing valuables can be an important step in ensuring that you have insurance coverage that will help you recover and replace the value of lost property due to a disaster.

For homeowners and renters, photographing personal possessions is an important proactive step in ensuring that proper insurance coverage is in place when it's needed the most. Too often, homeowners and renters are underinsured for their possessions because they fail to account for specific valuables such as computers and other electronics, family heirlooms, jewelry, artwork or other assets. Taking photos of possessions throughout your house, apartment or townhome can help ensure that no valuable is left unaccounted for when insuring your property. Additionally, photos can help property owners identify other areas that might need insurance protection, such as valuable shade trees on their property, or nearby sheds or storage areas on their property. While many homeowners might think to insure their home structure and inside possessions, they might fail to include valuables such as expensive lawn care equipment, tools and other special machinery stored in a toolshed or backyard storage area.

Additionally, photos can also help property owners determine the true value of other assets such as vehicles, RVs, motorcycles and other large assets. Additional insurance coverage might be needed if there are vintage automobiles or motorcycles in the owner's possession, or if there are custom-built bikes or parts that add extra value as well. Photos can help capture the condition and value of these parts to ensure owners have proper coverage to recover the value in the event of an accident or loss due to theft, fire, flood or more.

Business owners can also benefit by taking steps to photograph their business, both inside and out. Photos can help business owners ensure sufficient insurance coverage is in place to recover lost equipment, inventory, furniture, computers and other electronics, and other business assets. In addition, photos can help business owners become aware of outside dangers that might pose a threat to their business structure or company vehicles, such as nearby trees or utility poles. The proximity of trees and utility poles can often lead to increased damage in the event of heavy rains or winds, so additional insurance coverage might be necessary to ensure proper protection.

Photographing your personal and business property is the first step in ensuring you secure sufficient insurance protection from all kinds of events or disasters. However, the most important part of insuring your personal and business property is choosing a quality insurance agency that offers customized insurance solutions that meet all your needs. Aegis is a Houston-based insurance agency that specializes in creating custom insurance solutions coupled with exceptional customer service. The friendly and knowledgeable insurance agents of Aegis can help you secure a comprehensive insurance solution that protects you, your family, your business and your possessions for the future. Aegis clients can save even more by bundling insurance policies together, such as homeowners, auto, renters, business and life insurance for maximum savings on annual premiums. Request a free quote online or contact the agents of Aegis directly at 713-850-7622 for more information.

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