Homeowners or renters insurance provides money to replace possessions after a fire or theft. Remember to keep a good inventory of your property, including serial numbers. A quick way to do this is with snapshots or a camcorder. Store your inventory in a safe-deposit box or other location outside your home, and update it every year. While you're making an inventory of your valuables, consider engraving them with your name or initials. This makes it easier to trace the goods back to you if they're stolen. Your local police department may even loan etching tools.

Most insurers recommend that you insure your property at replacement cost. This reimburses you for what it would cost to replace items today, instead of paying only for their current, depreciated value.  You'll pay a little more in premiums for this benefit, so shop around for the best policy and the best price. Consider only reputable companies and agents. Get at least three quotes. Some companies provide lower rates if you have more than one type of coverage with them, such as auto and home. Review your insurance coverage annually.

In Case of Emergency
Take a few minutes to look up these numbers and post them by the kitchen phone.

Emergency Services_911__

Fire or Crime in Progress  ________

Poison Control Center __________________

Alarm Service _________________________

Family Physician ______________________

Insurance Agent ________________________

Neighbor  _____________________

Babysitter _____________________

Safe and Sound
The place where you and your loved ones live, with your possessions and irreplaceable mementos of your past, is well worth protecting. The time, money and attention you devote to securing it will reward you with increased peace of mind and the feeling that your home is indeed a safe haven.