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Florence, AL 35630

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McBride Benefit Solutions Blog

Should I make a home inventory if I have renters insurance?

You may not think you need a home inventory if you don’t own your home. Unfortunately, it can be difficult to recover your losses if you aren’t really sure what was in your Florence, AL apartment. McBride Benefit Solutions can help you with the process of making a home inventory so that you are better protected in case anything ever happens.

The Importance Of Making a Home Inventory

It’s actually ideal to have a home inventory before you purchase home insurance. That way, you have a record of what you have and the value you need to insure. You don’t want to buy more home insurance than you need any more than you want to find out that you don’t have enough coverage.

Steps To Making a Home Inventory

  1. Take pictures and/or videos of your belongings. Take pictures of your serial numbers and write them down.
  2. Write down the value of your items. The actual value will depreciate, but you can use these numbers to get an idea of how much everything is worth.
  3. Keep your receipts, especially for big-ticket items. Take pictures of them.
  4. Store all this information off-site so that if anything happens to your apartment, the documentation will still be safe. 
  5. Keep your inventory up-to-date, such as when you get a new TV.

Home Inventory Apps

You may find it easier to do a home inventory with an app. Encircle is an app that even keeps track of the changing value of your items. Sortly allows you to put your belongings into categories. You can find other apps on your preferred platform.

We Are Here To Help

Protect your Florence, AL belongings by making sure that you have a detailed home inventory. If you need help, or if you would like to discuss your policy, please call McBride Benefit Solutions today.

I’m Selling My Home. Do I Need To Cancel My Home Insurance?

Home insurance is an integral part of protecting your home and your possessions. However, what happens when you sell your home? Do you need to cancel your policy? In this article, we will discuss the steps you need to take when selling your home and whether or not canceling your home insurance is one of them!

Will Your Home Insurance Policy Transfer To Your New Home?

If you are selling your home and moving into a new one, you may be wondering if your home insurance policy will transfer with you. The answer to this question depends on your circumstances and the type of policy you have. If you have a standard homeowners insurance policy, it’s unlikely to transfer to your new home.

However, if you have a particular type of policy, such as a builder’s risk policy, it may be possible to transfer your coverage. You will need to speak with your insurance agent to determine whether or not your policy is transferable.

When Should You Cancel Your Home Insurance Policy?

If you sell your home in Alabama and will no longer live there, you must cancel your home insurance policy. You should cancel your policy as soon as the sale of your home is final. If you have a mortgage on your home, your lender will require you to maintain coverage until the loan is paid off in full. Once the loan is paid off, you can then cancel your policy.

Can I Get a Refund After Canceling?

You may be eligible for a refund if you cancel your home insurance policy before the end of your policy term. The refund amount will depend on how much premium you have paid and how long it is left in your policy term. You’ll likely receive a pro-rated refund if you have paid your premium in full. However, if you cancel your policy mid-term, you may not receive a refund. That said, most reputable companies such as McBride Benefit solutions Insurance are always willing to come to an agreement with clients.


You’ll need to cancel your home insurance policy when selling your home. You should cancel your policy as soon as the sale of your home is final. If you’re moving to Alabama, contact McBride Benefit Solutions for a new insurance policy. We would be happy to help you find the coverage that you need.

Partner Carriers

  • Aetna
  • Aflac
  • Beazley
  • Chubb
  • Cigna
  • Colonial Life
  • Dearborn
  • Foremost
  • Guardian
  • Hagerty
  • Liberty Mutual
  • Mutual of Omaha
  • National General
  • New Era Life
  • Openly
  • Orion 180
  • Principal
  • Progressive
  • SafeCo
  • State Auto
  • The Hartford
  • Travelers