So you have a home? What next…
Homeowner’s Questions Answered
What should every homeowners keep records of?
Homeowners should keep records of appliances, major systems, warranties, repairs, receipts, insurance policies, and home improvements. These records are essential for maintenance, insurance claims, taxes, and resale.
Keeping them digitally organized saves time and stress.
How do I create a home inventory for insurance?
To create a home inventory:
List items by room
Take photos or videos
Include serial numbers, receipts, and values
Store everything securely
A digital home inventory makes insurance claims faster and more accurate.
Is a home inventory really necessary?
Yes. Many homeowners don’t realize how valuable a home inventory is until after damage or loss. Without documentation, claims can be delayed or underpaid.
A home inventory protects both your belongings and your peace of mind.
Are home warranties worth it?
Home warranties can be helpful, especially for older homes or first-time buyers. The value depends on coverage terms, service fees, and how well records are maintained.
Most companies guarantee a contractor appointment scheduled within a short time frame. This can be very valuable in areas difficult to find/get contractors out to your home.
How do I keep track of warranties and coverage?
The best way is to store warranty details, service history, receipts, and expiration dates together in one organized system.
What documents do I need for a home insurance claim?
You’ll typically need:
Photos or videos of damage
Proof of ownership
Receipts or estimated values
Insurance policy details.
Having these ready speeds up the claims process.
What vehicle records should homeowners keep?
Homeowners should keep:
Purchase documents
Registration and insurance
Maintenance and repair history
Warranty or service contracts
Organized vehicle records help with resale, insurance claims, and long-term maintenance planning.
How long should I keep car maintenance records?
Car maintenance records should be kept for the life of the vehicle. They can increase resale value and support warranty or insurance claims.
What does a home warranty usually cover?
Home warranties typically cover repairs or replacements for major systems and appliances due to normal wear and tear, such as HVAC, plumbing, electrical, and certain appliances.
Coverage varies, so documentation matters. Companies varies as well, so it is best to research which company is best for you
How long do insurance claims take?
Claim timelines vary based on damage severity and documentation. Well-organized records can significantly reduce delays.
More complex claims can take months to complete.
What mistakes delay insurance claims?
Common mistakes include missing documentation, unclear proof of ownership, and incomplete records.
Preparation makes a major difference.
Can I file an insurance claim without receipts?
Yes, but it’s harder. Photos, videos, and documented estimates can help support your claim, which is why pre-documentation is so important.
How do I track home maintenance properly?
Track maintenance by recording:
Dates of service
Repairs or replacements
Contractor details
Warranty coverage
Maintenance records help prevent expensive issues and preserve home value.
How long should I keep home records and receipts?
Most home records should be kept for as long as you own the home — and often several years after selling for tax or legal reasons.
Digital storage makes long-term record keeping easier.
Should vehicle records be stored with home records?
Yes. Vehicles are major household assets, and keeping all asset records in one system makes household management simpler and more efficient.
What should first-time home buyers know before buying?
Home buyers should understand that homeownership includes ongoing maintenance, record keeping, insurance planning, and organization — not just the purchase itself.
What documents should I keep after buying a house?
You should keep:
Closing documents
Mortgage paperwork
Inspection reports
Appliance warranties
Insurance policies
Home warranty details (if applicable)
Organizing these early prevents headaches later.
What maintenance should I do first after buying a home?
New homeowners should:
Change all locks and garage codes
Change HVAC filters
Test safety detectors
Review system ages
Document appliances
Starting early builds good habits.
What are common first-time homeowner mistakes?
Waiting until somethings breaks, losing warranties, and not tracking maintenance are common, and avoidable, mistakes.
What should homeowners document before a natural disaster?
Before a disaster, homeowners shoud document:
Each room of the home
Appliances and systems
High-value items
Exterior and structure
Unique or expensive features
Photo and videos are especially helpful.
How does a home inventory help after a disaster?
A home inventory provides proof of ownership and value, helping insurance companies process claims faster and more accurately.
What should I do immediately after home damage?
After ensuring safety:
Take photos and videos
Prevent further damage if possible, contact a mediation company
Contact your insurance provider
Access your documented records
Being prepared reduces stress during emergencies. Keeping critical information digitized ensures you have what you need when you need it.
What documents are most important after a disaster?
Insurance policies, home inventories, receipts, photos, and repair estimates are critical after a disaster.
How can homeowners prepare for insurance claims before disasters?
The best preparation is documenting your home and assets ahead of time and storing everything securely and digitally.
Organization now prevents stress later
You don’t need to do everything at once, you just need a smart place to start.
What Home Hub 365 ™ Helps You Do:
Organize home documents from closing day
Track appliances, systems, and warranties
Log maintenance and repairs
Prepare for insurance and emergencies
Feel confident instead of overwhelmed