Home Contents Locker
How do I use the Home Contents Locker?
The Home Contents Locker, supported by AMI, allows you to upload items that you have anywhere in your home. The more items you upload, the better off you will be if you ever have an incident at your house.
The Home Contents Locker is really simple to use and we suggest giving it a go! Before long you will be an expert in how the process works, but below are some steps to help you get started.
To upload an item to the Home Contents Locker using your computer
Visit the Home Contents Locker Page
Click the blue Add Contents button
Decide on the item you wish to upload (we suggest working through your house one room at a time)
Fill out as many of the fields as you can, including loading photos and receipts of purchase for any items over $1000
Click Add Item
The below video should help you see how the process works.
What is the Home Contents Locker and why should I use it?
When making an insurance claim you will be asked to prove you own any lost or stolen items. Keeping a record of receipts, warranties, valuations and serial numbers in a safe and secure place, preferably away from your home, can be useful should you need to provide this information to the Police or your insurance company.
The Neighbourly Home Contents Locker is a private and secure online tool accessible only by you, where you can store and access this information anytime, anywhere, just by logging on to your Neighbourly account.
Portable items of high value are the most likely things to be stolen so it’s important to take photographs or videos of jewellery, art works and other precious things.
Sometimes items can be easily lost or misplaced, so even if it’s just to keep a record for yourself, you can store this information in the Locker.
How secure is the Home Contents Locker?
We use SSL encryption to keep your information secure. This means your information travels over the internet in an encoded form. The Neighbourly website is also subjected to regular security assessments and testing.
Can anyone else besides me access my locker?
No. Information contained in your locker is viewable only by you.
Why do I have to list so much info in the Home Contents Locker?
Insurance companies like as much information as possible when it comes to claims, to help prove ownership and to assess the correct value of the item or items being claimed for.
Clothing, for example, is covered by most insurance companies for market or current value, not full replacement. To work out what that value is, insurance companies will assess the item you’re claiming for, where and when you purchased it, and for how much. Often, what you get for the item you’re claiming for will depend on how old it is. But it’s best to check with your insurance company what’s covered for full replacement and what isn’t.
Does listing items in the locker mean any claim I make will be automatically accepted?
No. Using the Home Contents Locker and providing this information to the Police or your insurance company won’t guarantee your claim is accepted or paid out. Your insurance company will still need to prove the claim is valid.
The Home Contents Locker is merely a helpful online tool to help you record the things you own.
It may even help you figure out just how much your other half has actually spent on guilty pleasures like cat ornaments, or baseball caps, over the past few years!
Can I save details without a serial number?
Yes, however, it’s recommended that you include the serial number wherever possible, as this is the best way to help Police identify your property. A model or batch number may not be unique, so isn’t always the best way of matching or tracking items.
For items that don’t have serial numbers, for example jewellery, try to provide as much descriptive information as you can.
It seems like such a big task. What's the point?
Naturally, listing everything you own in the Home Contents Locker takes some effort, however, it’s better to do it now or at least make a start than have to do it all when misfortune strikes. Should there be a house fire or a natural disaster, it’s a stressful enough time already, without having to remember all the things you’ve lost. Having a record now, whether it’s for your insurance company or for the Police, can save a lot of time and effort in the long run.
What if I don't have contents insurance?
Even if you don’t have contents insurance, providing as much information as you can about items you own will be helpful to the Police should you ever be burgled which is why using Home Contents Locker is still worthwhile.
Listing valuable items that can be expensive to replace if lost or damaged, or those that thieves are likely to target, is a good start. Serial numbers especially, can help the Police track down stolen items, should the thieves try to resell the items.
Why is contents insurance important?
It’s not uncommon for people to have no idea of how much stuff they actually own or how much it’s worth. Once you start listing all the items you own, you could be surprised just how much everything adds up. Using the Home Contents Locker will not only help you keep a record of your contents but it also helps you work out how much it could cost to replace these items should anything happen. And that’s where having contents insurance comes in handy.
Accidental sudden loss and damage, including theft, can happen more often than you think so it’s important to protect your belongings. In the 2014 calendar year, New Zealand Police recorded 53,265 burglaries*. Having contents insurance means you can be financially compensated if the things you own are lost, stolen or damaged. Just what you’re covered for will depend on your contents insurance policy, however, having a record of your valuables using a tool like the Home Contents Locker can help you work out whether you have the right level of cover for all the items you own.
* Source: Police.govt.nz, December 2014. Figures are representative of offences per 10,000 population.