Typically, unless you request otherwise during the process of obtaining insurance, your personal belongings will be covered only for their "Actual Cash Value." Many insurers offer you an option of "Replacement Cost" coverage but it's typically at a slightly higher premium.

So what's the difference between Replacement Cost and Actual Cash Value coverage?. Full Story...

The basics of a home inventory!
Chester Chen - Freelance Writer | 2008-11-24

Home security isn’t always about installing the latest motion sensors or alarm system on your house or getting yourself the best guard dog to scare the heck out of would-be burglars. Home security also involves securing important documents and valuable belongings in your home. This isn’t to say that the home security methods mentioned above aren’t important, they are, but it isn’t the only kind of security your home needs. Your home can be secured by also conducting a home inventory of your important items and documents. . Full Story...

Home inventory - Securing your priceless possessions at home!
Steven Kreiger - President/Owner Secure Homes, LLC | 2009-07-18

A Home inventory consists of documenting the valuables and contents of your home should anything such as a theft or a disaster happen to you one day. None of us has the ability to predict or foresee the future, that is why securing yourself and your home for unpredictable events is as important as having to eat everyday. A Home inventory in today’s world, has become a necessity. A Home inventory offers home owners the protection and peace of mind that they deserve by providing a detailed record of their personal property to make sure that insurance claims can be processed more efficiently and help the homeowner maximize claims. A home inventory is becoming a more common recommendation of insurance companies and financial planners.. Full Story...

Home Security Improvement!
Chester Chen - Freelance Writer | 2008-11-13

Your house is probably your biggest asset. It’s the place you call home, where you and your loved ones live and where you keep your family’s most treasured heirlooms as well as other valuable items. When you know that your home is protected, it provides you with peace of mind when you are away or when you are at home. Some people install state of the art alarm systems just to keep their houses secure. The trends in home security are that the bigger and more valuable your house is, the need for better security increases. The size of your house isn’t the only reason to secure your home. . Full Story...