Your Practical Insurance Audit

From KCMG Real Estate Advisors

Boring? Yes.
Worth it? 100%.

As a homeowner in Downingtown and the surrounding Chester County area, keeping up with insurance isn’t exciting—but it’s essential. A simple home insurance audit can help ensure your coverage actually protects you if disaster strikes. Reviewing your policy and documenting your belongings now can save you time, stress, and money later.

Here are two things every homeowner in Downingtown and Chester County should do this month to stay protected.

1. Document Your Big‑Ticket Items

Creating a home inventory is one of the easiest ways to strengthen your homeowners insurance coverage. If you ever need to file a claim due to fire, theft, or storm damage—events that aren’t uncommon in Chester County—having documentation ready can dramatically speed up the process.

Be sure to document high‑value items such as:

• Furniture

• Electronics

• Appliances

• Jewelry and valuables

Photos, short videos, receipts, and basic descriptions are usually enough. The goal is to clearly show what you own and estimate replacement value.

Pro tip: The Sortly app is a great tool for organizing your home inventory. You can catalog items by room, upload photos, store receipts, and access everything digitally when you need it.

This is one of those homeowner tasks you only appreciate after something goes wrong—so it’s best to do it proactively.

2. Review Your Home Insurance Coverage

Your homeowners insurance policy should reflect your home today, not the day you purchased it.

Ask yourself:

• Is my coverage amount still accurate?

• Have I completed renovations or upgrades?

• Does my policy account for current replacement and construction costs?

Many homeowners in Chester County are unknowingly underinsured, especially after remodeling, additions, or years of rising labor and material costs. An outdated policy may not fully cover rebuilding your home in today’s market.

Regularly reviewing your insurance coverage helps ensure your biggest investment is properly protected.

The Bottom Line

Smart homeowners focus on prevention, not just reaction. Taking time to complete a home insurance audit and update your inventory now can prevent major financial headaches later.

A Simple Next Step

At KCMG Real Estate Advisors, we believe responsible homeownership in Downingtown and across Chester County goes beyond buying and selling—it’s about protecting what you’ve built.

If you’re unsure whether your homeowners insurance coverage is still accurate, now is a great time to review your policy with your insurance professional.

And if you’re planning renovations, preparing to sell, or simply want guidance on your overall home strategy here in Chester County, our team is always here as a resource.

Proactive today. Prepared tomorrow.

Connect with us for for info or to help get started!