How Do I Know If I Have Enough Insurance On My Personal Property?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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It is a good idea to inventory the contents of your home. In the event of a complete loss, it is difficult to reconstruct by memory the contents of your home. Some people videotape the contents of their home or apartment as a record of what it contains. If you have items of high value, get certified appraisals of them. Check to see if there is a limitation of coverage with respect to certain categories of personal property. As said earlier, if your insurance policy does not provide enough coverage to replace all of your personal property in the event of a total loss, purchase a rider to increase the coverage.

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