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Insuring Yor Personal Possessions

Standard Homeowners Insurance policies provide coverage for your personal belongings in an amount equal to 70 to 80 percent of the amount of insurance you have on the structure or "dwelling". The limits of the policy typically appear on the Declarations Page under Section 1, Coverages, A. Dwelling.

It's a good idea to conduct an inventory of your personal property. Creating a list of everything you own and details related to the cost to replace these items can speed up the claims process. Photographs or a video inventory also is recommended.