Welcome to Week 1 of my Binders 101 series. I thought I would start out the series with the binder that is probably the base of them all and that is the Home binder. With the Home binder, I am covering all of the basics of my dwelling; the construction, utilities, insurance, etc. In a nutshell, everything that deals with my Home.
This binder will broken up into 5 sections:
- Important Numbers
- Mortgage/Rental information
- Home Owner’s Insurance/Renter’s Insurance
- Utilities Information
- Home Maintenance
- Construction (if applicable)
Remember, for this binder, I am using the yellow 2″ binder.
To divide out these sections, I used the Avery Durable Write-On Plastic Dividers. You can get these plastic dividers with different numbers of tabs. I chose 5 because my binder will contain 5 sections.
Section 1: Important Numbers
Dealing with your home, there are always important numbers you need to have on hand. The number to your insurance company in case you come home to a flooded kitchen. The number to your electric, cable, and water companies in case there are issues that need to be addressed. I created a printable for you to use to document all this information. I think it is good to have all of these numbers in one central location, so you don’t have to search through a filing cabinet or drawer to figure out where you wrote it down. Plus, you might need to contact several companies at one time. So, if they are all there in front of you on the same piece of paper it saves you time and stress.
Download pdf here
The companies and numbers that I will be including in this section are:
- Home warranty
- Home insurance
- Local carpenter/handyman
- Electric, Water, Internet (same company)
Section 2: Mortgage/Rental Paperwork
The amount of paperwork that goes into buying a house is insane. We purchased our first home in 2009 and then, our most recent house last January (2015). The amount of paperwork almost doubled between 2009 and 2015. If I used a small binder, I could have the whole thing filled up with just our loan paperwork.
So, this section will only contain that massive amount of paperwork.
Section 3: Home Owner’s Insurance Policy Information/Rental Information
When I was putting together this section, I considered placing my car insurance paperwork in here, but decided against it because it didn’t pertain to the household. So, you will see that in an upcoming binder video and post.
This section contains my homeowner’s policy and home warranty information.
Section 4: Utilities
In this section, I have either an old bill with my account information or the startup paperwork with all of that information on it. So, in case I need to make a phone call to a company, I have all of my account information in one place.
Section 5: Home Maintenance
The only documents that are contained within this section pertain to my termite contract. We don’t have any other maintenance contracts or numbers at the moment. You could also include your lawn care service information or maybe, you have a company that cleans your gutters every season. So, that information would be good to include.
Section 6: Construction (is applicable)
I do not have a sixth section in my binder because we did not build our home. If you built your home, this would be a great section to include. We built our last home, so I had all of the blueprints, estimates, fixture information, etc. within it’s own section in my binder.
Don’t forget to download the home binder cover below and use it in your binder.
Home Binder Cover
Download pdf here
If you missed any Binders 101 posts and videos prior to this one, click on a link below:
Stay tuned next week when we complete the Medical binder together. 🙂