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Our home owners' insurance is up for renewal and I was looking at the personal property coverage amount. How does one figure what amount they would need to replace all their personal property? Seems most folks I talk to just guess!

What exactly is covered by "personal property"? I assume it includes furniture, carpeting, drapes, decorative items, househld items from towels to soap dishes.

In case of a loss what proof does one need?
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have an Inventory of all of my personal property that is in my house, with current dated photos. The date purchased, the price, etc. I have copies of this inventory in multiple secure places.

Another thing that can help is a video of each room in your house, that shows all the furniture, paintings, and other junk. It helps to remind you of what you have, plus it proves that you had it at one point in time.
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