Your personal assets and belongings are something you want to keep protected, whether they be physical belongings or important digital files and memories. Each of us has things of great value personally, whether the value is financial or merely sentimental. Regardless, taking steps to safeguard your personal belongings is essential!
Sometimes tragedy strikes and this could take the form of theft or burglary. It could be a case of unexpected disaster such as a fire, a flood or similar damage to your personal assets. Or in the case of your digital files, a crashed hard drive or lost camera can have equally devastating effects on us as individuals.
To minimise the impact of these things, there are several steps you can take to safeguard your belongings, or to at least ensure you have adequate compensation if such circumstances take place.
PROTECTING YOUR PHYSICAL ASSETS
Insurance is something everyone should have on their assets, to ensure adequate coverage to replace all your essential items in the situation that one of the unfortunate events mentioned above takes place. Insurance should not be treated as a luxury, but a necessity to make sure you are covered and supported following tragedy.
Do not under value your assets as you may regret it if something were to happen. To help you estimate the value of your personal belongings and assets, most insurance providers have online quote tools to assist, however it will also benefit you to maintain a home inventory which will help you if you do need to make any claims in future. You can download my free printable home inventory sheet to help.
You should also ensure your assets are kept in good condition to further protect them from failure or premature malfunction.
PROTECTING YOUR IMPORTANT DOCUMENTS
Even though we are moving more and more towards a paperless society, most households will still have hard copies of important documents. These usually include things such as birth and marriage certificates, original signed official documents and even physical mementos, such as photographs and videos.
Keeping these items secure is essential, but you may also wish to protect these things against more concerning risks such as fire or theft. One option to protect your important documents and small assets is by installing a safe.
PROTECTING YOUR DIGITAL FILES
With technology being so dominant in our lives, many of us have an expansive collection of digital files. For me, my digital scrapbooking and project life files are amongst these files, and taking measures to ensure their protection is important.
There are many options to backup your files, from simple methods such as emailing files to yourself if only a few, to utilising external hard drives. While these are great methods, there is also the risk that hard drives may fail from time to time, so backing your files up in more than one place is highly recommended.
This is where cloud drives such as OneDrive or DropBox are a great option. You can utilise the free space provided, or pay a subscription to increase the amount of space available. OneDrive currently offers an upgraded subscription for $9US per month for ITB of space. There are also other systems available that will automatically backup your files each day so that you do not have to, which gives that extra peace of mind that you will not lose anything important.
STAYING SAFE ONLINE
On top of all these protective measures in ensuring the safety of our belongings and documents, it is also important to be mindful of how much information you are giving out online. With social media and technology taking up such a large part of life these days, be careful with what you are sharing online and with who. Never give out passwords or account details, use difficult passwords for your accounts and maintain a level of privacy with what you do share online. Be cautious who you friend. Especially if they start asking personal questions!
By putting each of these steps into action, you have a far better chance at protecting yourself at home and maintaining a safe and secure environment for yourself and your family.
Do you have any other tips for how to protect yourself at home?