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1	Imagine for a moment a tragedy you’ve heard about recently – hurricane damage, flooding, wildfires – and think about the damage done to the homes involved. We all consider important to install things like fire alarms and smoke detectors, and home owners insurance is a must, but have we considered all the money we’ve spent on the possessions inside our homes? Consider now what would happen if your home was destroyed.	Celina patch pumpkin
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4	Many of us assume our home owner’s insurance would cover all of our possessions, but this is where people are mistaken. An appraiser would have to take a guess – using averages – at the value of the contents of your home, should a catastrophic disaster happen to your home. From the charred remains, would you trust an appraiser to accurately estimate the value of your possessions? That’s why making a detailed list of your possessions is essential for protecting the money you’ve spent.	Cotton patch gospel sacramento ca 2007