Update your household inventory. Keep this inventory in a fireproof place. Have these items appraised and keep the written appraisal with the pictures of personal property and one copy of the household inventory in your safe deposit box. Allow for depreciation of household items. Install smoke detectors in your home.
Some companies offer lower insurance rates.
Usually covers all risks except earthquake, landslide, mud flow, floods, tidal wave or waters, war, nuclear radiation, sewer back up and seepage. See policy for a list of specific losses not covered. Kenneth R. Bolen, Director of Cooperative Extension, University of Nebraska, Institute of Agriculture and Natural Resources.