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FeedJournal Basicfeedjournal.com2/17/2008 - 3/8/2008
How A Home Inventory Service Saves YouTime And Money
By Aussie Home Inventories 
Submitted at 2/18/2008 3:55:36 PM
Aussie Home Inventories comeacross clients whom have started theirown home inventory and nevercompleted it. The inventory itself iseither a DIY home inventory a half finished on-line inventory. Client'sreasons for not completing theinventory are usually reported as,'short of time' or 'inventory creationproblems'. Either way the inventory isplaced on the 'back burner'. We arecontacted to complete the task after arecent event or insurance issue hasraised the task of inventorycompletion again. The client alwayswants the inventory to be completedasap, giving them the peace of mindthey require.Our aim in this article is to explainwhat you get for your 'homeinventory dollars', when using aHome Inventory Service [HIS], tocreate an inventory for you. If you arethinking of creating your own homeinventory, using a DIY method or on-line inventory service then this articlewill be of interest to you, as it willgive you information on an easy andquick alternative. AHI has inventoryconsultants that create inventoriesthat are professional, accurate andspeedily created being easilyaffordable. Saving you the time!The accuracy, format, security andaccessibility of a home inventory iscrucial at the time of NEED, after aloss, when you have other things onyour mind!What you get with an Aussie HomeInventory is this!An inventory consultant who:• Supply's professional, experiencedand flexible options.• Collects all the inventory imagesand data.• Has a knowledge of disasterpreparation and security issues andloves to share.• Is never to far away, often workingin the area.• Is friendly, helpful & real!Our inventories will:• Come in three options withcustomisable options to suit yourneeds.• Be supplied with an easy itemreference information sheet.• Record item details.• Have two copies on CD or DVD.• Be suitable for estate planning.• Have optional Off-Site storage andAnnual Updates.• Have an optional DVD recording of your home & premises.• Be easily admired by your friendsand family.• Be backed by our WrittenGuarantee.• Contain a Certificate Of Inventorycompletion.[For detailed descriptions of homeinventory options, costs, Q&A visitAussie Home Inventories].Copies of the inventory are :• Easily stored in or outside thehome, ie fire safe or with familymembers.• Stored at your request in a bank vault.• Easily arranged.Inventory Forwarding is :• Easily accessible via telephone andwritten request, supplying easy accessat the time of trauma.• Inventory forwarded at yourrequest to the insurance company orauthorities.• Inventory forwarded via CD,delivery or registered post.Remember that after a storm yourpower and telecommunications maybe down, rendering your PC uselessin this situation.HIS Security :• Our consultants arrive withvalidated ID & Police Clearance. Youare dealing with a trusted business.Privacy :• Being professional and courteousour inventory consultant will respectyour home and privacy, doing his orher best to make you feel at easewhilst the inventory is in progress. If you wish to help us that is fine. At theend of the day we are just anotherprofessional passing through yourhome giving you the services that youneed!Personal & Inventory Data :• Your personal & inventory data isdeleted from our laptop or PC, if there is no request for us to keep it onCD, for backup purposes or annualinventory updates.• We prove your ID with a securesystem. No-one will have access toyour inventory details, except IDvalidated owners of the inventory.• Your personal and inventory data isseparate, coded and secure.Client Support :• AHI is able to carry out yourrequests, [example: inventoryforwarding], after a disaster if you areincapacitated.• For client support we are easilyaccessible during normal businesshours, with an emergency numberoutside these hours. Our business ismanaged by Australians forAustralians.Other In-Home Services :• Optional purchase of various FireSafety Equipment.• Optional purchase of a Fire Safe forinventory storage in the home.The Cost :• Affordable home inventory optionsoffered! Freeing your time andgetting the inventory done. No skillsneeded on your side, except beingable to pick up the phone and openthe door.The Savings :• Your time is Free to do otherthings.• We complete the inventory for you,at a time to suit you!• You can forget about trying toresize images, upload or downloaddata, collect information, etc, that iswhat we do best.The Outcome :• You are now prepared for any loss,be it natural disaster, emergency ortheft. The complete home inventoryallowing you to recover quickly afteran event, saving you time and money.As well as preparing you for loss,people use the inventories for:• Correcting insurance cover byrealising any under-insurance.• Speeding up the process of anyinsurance claim by having 'on hand'accurate records.• Trying to maintain a standard of living after an event.• Easing the thought of relocation.• Creating a prenuptial agreement.• Realising their net worth whenlooking at estate and financialplanning.• Realising what property is instorage at a glance.• Facilitating and expediting theftrecovery.• Creating peace of mind knowingthey are prepared.• Proving ownership in case of divorce settlement.HELP is HERE!For those of you whom find thethought of doing a home inventory todaunting, whether it be a DIYInventory or by using an On-LineInventory Service, we hope thisarticle has made you realise howEASY it is for your inventory to becompleted, when you use aprofessional Home Inventory Servicebusiness such as Aussie HomeInventories.Please contact Aussie HomeInventories for more information, tofully realiseHow A Home Inventory ServiceSaves You Time & Money.Detailed information on our HomeInventory options with Q&A can befound on their website.Aussie Home Inventories - HomeInventory - Australia
AHI - Site Update
By Aussie Home Inventories 
Submitted at 2/17/2008 6:13:40 PM
Today we launched our 'HomeInventory / Under-Insurance Survey'& Site Guestbook.The aim of this survey is for AussieHome Inventories to get a clearer ideaof the connection between the under-insurance problem and the homeinventory service in Australia. Allcompleted surveys with contactdetails, will be eligible for a 10%discount off the normal price of ourhome inventory options. The homeinventory survey takes less than fiveminutes.Also added to our website today is ahome inventory guest book. Pleaseuse our guest book to leave commentsand information you wish to sharewith other users of our website andthe home inventory community.Recording What Matters!Aussie Home Inventories - HomeInventory - Australia
 
2FeedJournal Basic
The Slippery Slide To Under-Insurance
By Aussie Home Inventories 
Submitted at 2/17/2008 5:24:04 PM
• Are You On The Slippery Slide ToUnder-Insurance?• Would You Know You Were,Assuming You Are Correctly InsuredIn The First Place?• Why Are There So ManyAustralians Under-Insured And HowDid They Become Under-Insured?This article will supply answers to theabove questions creating anawareness of the under-insuranceproblem in Australia. Informationallowing the realisation andelimination of under-insurance fromthe insurance policies covering homecontents of home owners in Australia.Most Australian home owners assumethey are correctly insured andtherefore never check to see if theyare not. There are many Australiansevery year finding it hard to face upto the fact their insurance cover wasnot sufficient, at the time of making aclaim to replace all of their home andcontents. A lot of Aussie homeowners simply believe there is a'system' in place to stop under-insurance affecting them. WhenAussie Home Inventories asked someof their clients to explain what this'system' was, it was often reported as,“Well the insurance company has allthe information and they will takecare of it. After all, that is what weare paying them for!” If there is a'system' in place, then it must befailing as there are so manyAustralians still under-insured? Theanswer simply could be home ownersnever check their content covercorrectly, because they do not realisethey have to and importantly they arenot being reminded to.How often does an insurancecompany at renewal time, ask for thevalue of contents purchasedthroughout the year?Some of the known facts about under-insurance are:• The insurance companies knowthere is an under-insurance problem.• The home owner is not being madeaware they may have under-insurance.• The home owner is not aware of how to eliminate under-insurance.• Any loss due to under-insurancewill be the responsibility of the homeowner.Most home owners only find outabout under-insurance when filing aclaim. To find out at this time canmean:• You are going to receive a loss!• Your home and lifestyle is notgoing to recover as quickly as it couldhave!Home owners if made aware of under-insurance, would check theircontents value and correct theinsurance policy. Home ownersNEED to be made aware of under-insurance! If insurance companiesassumed everyone to be under-insured unless proven, an increase of correct home content cover wouldresult. A small amount of extramarketing from the insurancecompanies would kick start theprocess. The proof of content valuebeing supplied by the home owner.More correct policies, less disputes,easier claims. With a system as finetuned like this, we can only hope forbigger discounts on the premiums!When anyone makes a claim the lastthing they want to here is the wordunder-insurance! The timing for thatunder-insurance word is not good, asthe customer has just occurred a lossto their family home! “If we couldmake sure under-insurance would notaffect us we would,” is what AussieHome Inventories hears fromprospective clients. The only way tokeep on top of the under-insuranceproblem is to take control of the valueof home contents. Every Australianhome owner needs to spend timeaccurately working out what thecontents in the home are worth. Timespent now on evaluating contentworth, will save time and money overtime!• Could you supply a value for newcontents purchased last year?• If you cannot answer this questionimmediately, how long would it taketo find the information?• Do you have this value recordedfrom your last insurance coverrenewal?If you are not aware of your homecontent value, then it is correct to saythe insurance company is not either!The insurance company has givenyou some help though, they haveadded a 5-10% increase to yourcontents cover renewal. What kind of household is this 5-10% increasesuitable for? Yours or Mr. Average!• Do you remember what theincrease in the home contents cover,was for your last paid premium?• Was it stated or was there just arenewal figure?• Were you asked to input your newcontent purchases for the year?OK if we assume the insurancecompany is making an assumption asto what you have spent, then whathappens when you have spent more?There is a lot of assuming here byeveryone and we know where thatleads us! Is this insurance policy notmeant to be covering everythingowned in the home? These are hardearned belongings and items of sentimental value, souvenirs of yourlife!It is time to sit down and try to work out what is covered and what is not!The TIME IS NOW!Everybody thinks they are covered,but what is far more better is knowingfor sure! When you send those dollarsout of the door to the insurancecompany you want assurance you aregoing to collect TOTALREPLACEMENT FOR ANY LOSS!After all that is what the insurancecover is for!Are the insurance companies tryinghard enough to find out the basicfacts? If only they asked forinformation at policy renewal timesuch as:• Enter the amount spent on contentslast year.• List the items and values.This would make the insurancecompanies life easier, allowing themto work out if the content cover hasbeen increased enough and looking atthe separate items, add extra covertypes if needed for special items suchas artworks, jewellery, computers etc.Remember it is the home ownersresponsibility in all cases to have thecorrect information, to have all thedetails and supply all the details tothe insurance company. An insurancecompany asking for information atrenewal time would help everyone.An answer to why there are so manyunder-insured home owners inAustralia could simply be,unawareness! There would be fewpeople aware of the fact and ignoringit, as they may as well not pay theinsurance cover premium!To be aware you must be preparedand that means working out valuesfor content cover, by taking stock of home contents. This means all of thecontents in the home, garage,basement, storage, loft and shedsneed to have a value added! Not aneasy task for many homeowners! If this process sounds to daunting asolution is to use a Home InventoryService. Professionals that take on the job, remove the worry, the doubt andproduce a simple solution. Thissolution being an accurate, completeDigital Photographic Home Inventoryof home contents. Information neededto find out what the home contentsare worth!The next step is to inform theinsurance company of the newlyrevised home contents value.Advising them that a professionalhome inventory has been carried outrecording all the home contents,validating ownership and presence,on a specific date. This homeinventory is easily 'on hand' at alltimes if so required. Ask theinsurance company for any discountsdue to the home inventory beenperformed. The correct cover for thecontents of the home has now beenreached supplying peace of mind formany home owners.Staying away from the slippery slideinto under-insurance means keepingaware of home content additions andadding these to the inventory. Let usassume a home has contents of $30000. A year later the renewalarrives and the policy has increasedby 10% of the content value covered,ie by $3000 to $33000.Checking the list of newly purchaseditems reports $4850.Simply going ahead and paying thepremium without adjustments equalsunder-insurance of 4850 - 3000 =1850!The correct value of the cover shouldbe amended to $34850.Not many home owners that AussieHome Inventories has come acrosseven bother to do this easy step! Theinformation needs to be supplied tothe insurance company to stop thisslide into under-insurance. Not toforget that some of these items maybe breaking the maximum cover peritem! Clarify the large expenses withthe insurance company, especiallythose that fall under types such as art, jewellery, computers etc.Once a home inventory has beencompleted, it is easy to stay awayfrom under-insurance by keeping theinventory up to date. A HomeInventory Service will be able to dothis for by offering an Annual UpdateProgram. Details are forwarded to theHome Inventory Service where theywill supply you and the insurancecompany with the updated inventory.Aussie Home Inventories surveyedmore than 100 people, asking them if they knew what there home contentpurchases were for the last year. Mostreplied with the question, “Whatwould they need to know that for!When the same people were thenasked if they had contents cover andif they had paid the premium last yearthe answer was generally YES! Thenext question asked was, How doesyour insurance company know whatyou spent on new purchases, becauseremember they added the amount toyour premium renewal! Next therewas silence! The crystal ball at theinsurance company has not workedfor some time now!Remember there is only one way toreduce and eliminate under-insurancecovering home contents. Follow theseeasy steps:• Workout and record your homecontents worth.• Keep a record of the years newcontent purchases.• Update you insurance companywith these details at renewal time.By following the above you willeliminate the chance of under-insurance and keep all items insuredfor their correct amount, under thecorrect type of cover. You will alsobe prepared for loss due to disaster,emergency or theft. You chances of recovery will be more speedily,returning your lifestyle to a level atwhich you are accustomed. Help yourfamily and friends to avoid theslippery slide to under-insurance byforwarding them this article or thefollowing questions:How Well Does Your InsuranceCompany Look After You?• When you purchase householdgoods throughout the year, do youadd this added value to yourpremium?• Does your insurance supplier ask you for the details of these householdgoods at premium renewal time?• What is the annual increase inpremium made up of?• Are you aware of the severity of under-insurance problem inAustralia?• Has your insurance supplier madeyou aware that you may be under-insured?• If you suspect you may be under-insured how & when are you going tocorrect your cover?• If you suffered a 100% loss andwere only 65% covered could youreplace the missing 35%?• If you have corrected this under-insurance, do you have an up to dateinventory?• When are you going to start yourhome inventory?• If you have an home inventory is itstored in a fire data safe or outside of your home?SLIPPERY page 6
 
3FeedJournal Basic
Moving Inventory With Aussie HomeInventories Is Just To Easy!
By Aussie Home Inventories 
Submitted at 3/2/2008 9:15:09 AM
MOVING HOME can be a stressfultime and everyone would like it to bea quick, simple and straight forwardprocess! Some people say it can be asstressful as 'getting married!' Thereare procedures that can easily be putin place, greatly increasing 'peace of mind'. Making the whole process of moving home and relocation,enjoyable! Procedures that safe guard'these movers', from the unforeseenrealities that may occur in the movingprocess. These realities being damageto, or loss of, hard earnedpossessions!At Aussie Home Inventories, the'moving and relocation process', isknown to commence well beforehome contents are placed in theircardboard cocoons! The processfinishing once the home has beensettled into. This 'settling time' oftentaking a few months!Let us explain what we mean here, bythis 'settling time'. The first thing torealise is that the process of movingand relocation, is much more than atrip in the car, with your householdcontents following somewhere in avan! Ask yourself these questions:• What do you know about the crimerate of the area you are moving into?• Have you looked at the securityaspects of your home? Does it back onto vacant land and who are yourneighbours?• What security features does thenew home have, and are they fullyfunctional?These questions need answers!Before the moving process starts. Toallow this awareness to createsolutions, to being prepared. Take amoment and focus on, 'loss caused bytheft'. STOP! Think what a burglarmay know about this new location,about your new home!• Your new home has beenadvertised as, 'New Goods To ArriveSoon!' WHOOPS! By the real estateagent!• You are most likely unaware of thesecurity and crime issues in this newarea. If you asked the previous homeowners or real estate agent they mostlikely, GUESS WHAT? Reported NOcrime, or security issues in the area!NO PROBLEMS! After all their mainobjective is to SELL the home! Didyou visit the police station?• Your new home may have beenunoccupied for a short time, givingthe burglar the edge on checking outthe best entry point!Usually when people move andrelocate they reduce home contents,pack the boxes and move. Arriving inthe new home to reduce some of those contents again! Replacingcontents with new items that fit moreharmoniously, into their newsurroundings! Never leave theseitem's cardboard boxes outside thehome! They make a statement! Thisis a very exciting time for a burglar,as you are now advertising what youhave inside your home!New home owners are often unawareof their new surroundings and home'ssecurity, forgetting to turn alarmsystems on when not in the routine!They often take weeks to have analarm installed! At this time, homeand contents are vulnerable to theft!Suffering a loss through theft andhaving no inventory makes it difficultto prove what was stolen! There is norecord to expedite theft recovery!Another issue is where the insurancecover has been amended for theproperties value, but not for theproperties contents. The contentsvalue is often carried over from theold property, not taking into account,those unwanted home contents thatwere discarded and the new onesadded! It is anyone's guess as to whatthe contents are accurately worth atthis time! This could be one of themany reasons why 35% of Australianhomes, have contents that are under-insured! Could you recover from aloss if you were found to be 25%under-insured on your contents? If your contents are worth $55,000, thatis a BIG LOSS! Of course like mostpeople this task of sitting down oneday and taking inventory and correctthe contents cover seems to getforgotten! The contents cover remainsunknown and usually under-insured!Yet again there is another reason forhaving a property and contentsinventory! Nobody wants to be under-insured! So why do so many peopletake this risk, at such a vulnerabletime? Well, not being aware of thesituation, the risk and possibleoutcomes can be the reason!Well as you are now aware, it is timeto act. Time to get that inventorytaken! Aussie Home Inventories aimsto make 'people aware', of how easy itis to be prepared!It is important to realise that whenyou move and relocate, you areincreasing the risk of loss to yourvalued possessions, what you haveworked hard for during your workinglives! What you NEED is aprofessional accurate record of whatyou are moving! A Relocation / Moving Inventory supplies you withthis accurate record, of what you areabout to box! All details are recordedusing digital photography whichsupplies evidence of condition andproof of ownership, at that time. ThisRelocation / Moving Inventory can beextended to show all of the itemsdetails such as serial, model,manufacturer, cost, etc, when used inconjunction with added written ordatabase details.At Aussie Home Inventories ourindependent inventories, can betailored to suit your needs. That is ourbusiness and that is what we areprofessional about!For those of you sold on the idea of taking inventory yourself, AussieHome Inventories offers two DIYHome Inventory Lists, available fordownload from their main website orblog.With your accurate Relocation / Moving Inventory it is time for theday of relocation! You arrive at yournew home knowing that if anydamage or loss has occurred in therelocation process, you have fulldocumentation to prove this. Youhave documentation that will allowyou to prove ownership and conditionof property in case of loss throughdisaster, emergency or theft. Over thenext few weeks of 'settling time' youcan finalise your home security andoptimise your home insurancecontents cover.Aussie Home Inventories offersclients, frequent updates for theirinventories with safe and secure off-site storage.Moving Inventory With Aussie HomeInventories Is Just To Easy!Well ThatIs What Their Customers Say!For more information on how theirhome inventory options can HELPYOU! Call Aussie Home InventoriesTODAY or visit their website.
Questions For Your Insurance Supplier
By Aussie Home Inventories 
Submitted at 2/20/2008 8:46:49 PM
Aussie Home Inventories is asking allhome and investment propertyowners, to to make sure they ask more questions to their insurancesupplier. Everyone needs to be moreaware, of how their policy coverstheir property and contents, to makesure they are not one of the under-insured. Under-insurance is not oftenknown until, at the time of claim. Bythat time it is too late, and there is aLOSS that is NOT COVERED!Aussie Home Inventories wants youto give your insurance supplier, a CallToday! Get the answers you deserve,when you are concerned aboutmaking sure your cover is correct!See what answers, your insurancesupplier has to the followingquestions:• Is there a possibility I may be under-insured, with my property andcontents cover?• What happens if I am under-insuredon the property and suffer a loss?• What happens if I am under-insuredon the contents and suffer a loss?• What proof of ownership do yourequire at the time of loss?• How can I find out if there is under-insurance on my property andcontents?• What are you doing to create moreawareness, of the fact that under-insurance is a problem in Australia?• Why do you not remind me atrenewal time, for a list of newpurchases throughout the year, newdecorations and renovations?• How is the increase in the premiumworked out for property andcontents?• What procedure have you in placeto make sure my insurance cover iscorrect at all times?• What discounts do you offer for aprofessionally completed homeinventory of contents?• Do you know of any homeinventory service able to take theinventory for me, as I do not havetime or skills?Making sure you ask more from yourinsurance supplier now, will be a gainto both parties in time. As moreAustralian home owners possesscorrect home inventories of theirproperty and contents, it makes theprocess of a claim a lot more easierfor all those involved.Aussie Home Inventories would liketo hear of your feedback on the,'Questions For Your InsuranceSupplier', please contact us to shareyour information.Aussie Home Inventories - HomeInventory - Australia
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