Do a home inventory to be sure you have enough coverage. The replacement value of all of the personal items in your home is probably more than you would guess.
You can buy add-on coverage for items that are not normally covered by a standard homeowner’s policy.
Take pictures of the contents in your home. On the back of photos note what the item is, where it was purchased, and the value of the item.
Video items in your home along with serial numbers. Give a description of the items as you tape.
Keep inventory lists, photos, and video tapes in a safety deposit box or some other safe place away from your property.
If you live in a flood-prone area, check with the National Flood Insurance Program regarding purchasing flood insurance.