Do I have enough insurance to replace all of my possessions?
A homeowner’s possession will also provide insurance coverage for your personal possessions for typically 60 percent of the amount of insurance coverage that you really need. The best way to determine is you have enough coverage is to conduct a home inventory to detail everything you own and the estimated cost to replace these items that if they are stolen or destroyed by a disaster. The standard policy will contain limited coverage for items such as jewelry, fine arts collections and electronics. Coverage for these items can be increased by adding endorsements to the policy.

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