That's great advice, but I'm not as well versed in that area. A lot of specific contents categories like Jewelry, guns, tools, etc top out at $2,000 unless a special rider is purchased. I've been hearing that a lot of people are underinsured on their contents coverage lately. This puts you in a pretty tough position if you have a total loss, or even just a large loss from a fire. Contents are tough because you don't really have a list of all the things you own. Just take a moment and try to make a quick mental list of every single item you have in the smallest room in your house. Now do that for your entire house. Oh you had a TV? What size? What brand? What model? A lot of us might know that info for their favorite stuff like the big TV, or the computer, but what about the microwave and the toaster? Heck I can't tell you a single brand of any appliance I even have, even the ones I've installed myself. It seems hokey, but it's not a bad idea to do a quick video inventory walk through of your house occasionally. I've never done that before, but it is so simple to do, I really have no excuse for not having done so.