Sparetips

Hvordan å beskytte verdier?

03/06/2020

 

På pinseaften ble vi ufrivillige vitner til en stor brann, hvor dessverre flere familier har mistet alt de eide og hadde.

I denne sammenhengen begynte jeg å tenke på hvordan man kan beskytte sine verdier. Det er ikke hyggelig å «planlegge» slike ting, men hvis man gjennomfører dette, kan det hjelpe i tilfelle det skulle skje noe (forhåpentligvis aldri).

Her kommer listen over tiltak som kan hjelpe for å beskytte verdier:

1 Ha forsikring på plass.

Det er veldig viktig å ha forsikring som dekker innbo og hus (hvis det er selveier)

Pass på at forsikringen har korrekt dekning. Om du har verdier for flere millioner er det dumt å velge den billigste forsikringen som kun dekker opptil 1 MNOK.

2 Ha brannalarm, helst tilkoblet til vekterselskap.

Dette kan hjelpe å få beskyttelse så fort som mulig og at brannmenn kommer raskest mulig.

3 Ha brannslokningsapparater og brannslange på plass.

Ved en liten brann har man mulighet til å slukke det selv.

4 Skaff deg en brannsikker safe (hvis du har behov for det)

Dersom du har smykker, dyre klokker eller verdipapirer, kan det være smart å investere i en brannsikker safe.

 

Når alle tekniske ting på plass, er det fint å starte med gjennomgang av verdier.

 

5 Ta bilder av interiør

Bildene kan hjelpe med å få oversikt over ting som man eier.

6 Ta bilder av ting som har verdi

Ta bilde av alle gjenstander, skriv en beskrivelse og helst ha en kvittering tilgjengelig, evt. bilde. Lagre alle bilder digitalt, i skyen.

Hvis du har gjenstander av høyere verdier, det kan være lurt å tegne egen Verdiforsikring

7 Oppbevar bilder digitalt

Ikke alle ting kan prises i kroner. Det er trist å miste familiebilder som blir umulig å skaffe igjen. Da kan det være lurt å skanne de som er gamle og lagre de sammen med de digitale og skybaserte.

 

Jeg håper virkelig at dette blir unødvendig, men slike tiltak kan hjelpe å redusere risikoen for å miste verdier ved uhell.

 

 

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