Know Your Stuff

In the event of claim each home owner is tasked with the daunting chore of itemizing the property that was lost in the claim.  I suggest doing a little work ahead of time to help minimize the amount of time spent developing that list.  The Insurance Information Institute provides software at http://www.knowyourstuff.org/ to guide and assist you in making an inventory of your personal property.  This information can become invaluable in the event of a total loss, especially by fire.  It can be used whether you rent or own your home. The software is free so I recommend signing up and taking advantage of this tool to minimize the stress that accompanies settling a claim.