You never know if anything will happen to your house and all your assets. Most people don't ever think about that and they never get prepared - they are the ones that always regret for their decisions to disregard the possibilities, or to try to save some money, or even for simply ignorance.

Most people think their insurance will take care of everything if something really happens... They don't know that the insurance companies will only pay for what they report, and some companies will only pay for certain items if there are receipts or some kind of proof of ownership! Did you know that when making an insurance claim a photo is worth as much as an actual receipt to your insurance company?

The average homeowner only remembers 50% of what they owned before their loss! Can you imagine how much that can represent? It could go from several thousand dollars to up to hundreds of thousands of dollars... Jewelry, electronics, antiques, collectibles, clothes, shoes, household items, furniture can all be items that you will never remember you had.

Also, many insurance companies only pay for items if there is proof of ownership… When an adjuster comes to assess damage from a loss, no receipts and no photos means no proof. Not having proof of your items means you will not receive full value from your claim.

How many electronics, or computers, or pieces of furniture have you purchased in the last 5 years?

Are you willing to take that chance?