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Safe Deposit Boxes
Safe Deposit Boxes
Safe deposit boxes are handy tools. They provide a safe place away from your home or
office to store valuables. When renting a safe deposit box, make sure you choose the right
size. Many people start by renting a small box only to discover that it quickly becomes
filled. You also need to determine who is allowed to access the box. The institution will
provide a key (or keys) that must be kept in a safe place, but also a place where you will
remember. The contents of a safe deposit box are not insured by the institution.
What to Keep in Your Safe Deposit Box
Safe deposit boxes are the best places to keep items that are valuable. This includes
jewelry, cash, stamp and coin collections and negotiable instruments like stock certificates
and bonds. They are also good places to keep items that are not replaceable or that have
sentimental value. A household inventory (video taped or written), appraisals, listings of
insurance policies and credit card numbers should also be kept in a safe deposit box.
Examples of items that are valuable
Valuable coin and stamp collections
Negotiable investment instruments like bonds, stock certificates
Examples of items that are not easily replaced
Family heirlooms, photos or historical records that can not be replaced
Examples of items that should be safe but available
Vital back up data files from your PC
Passports, if they are seldom used
Important contracts and business agreements
Real estate deeds and mortgages
Copies of important financial records that you keep at home
Copies of wills, living trust documents, powers of attorneys
What Not to Keep in Your Safe Deposit Box
It is important to remember that only you can open your safe deposit box, without a court
order. Items that others may need to obtain if you are not present should not be kept in
Original wills, powers of attorney, living trust documents and other trust documents
should not be in your safe deposit box. Insurance policies should usually be available and
not kept in the box.
Using Your Safe Deposit Box
Use your safe deposit box regularly and keep a list of what it contains.