Inventory your possessions before purchasing a policy — and update your inventory regularly. It can help you work out exactly how much coverage you need, and will make things easier if you need to file a claim.
Go through your house one room at a time and take pictures of all the important belongings you need to insure, writing down how much each would cost to replace. For example, in a living room this list might include your furniture, TV, stereo, DVD player and gaming consoles, coffee table, lamps and artwork. You can also save any receipts or warranties with your inventory.
Home inventory apps like Sortly and Magic Home Inventory can help make the process run smoothly.