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"Just received our home owner's insurance renewal & was noting the Personal Property amount."

Try to make certain your policy is for "replacement cost coverage" for your personal property. Otherwise, the purchase price will be depreciated and you may get very little, regardless of your insured amount.

State Farm can provide an inventory form that's useful. Photos or videos are great. Keep the inventory & pix at another location.

Big-ticket items (jewels, furs, cameras, guns) usually require extra riders (and premiums).

Don't forget that lots of credit cards provide replacement coverage for some items purchased on their cards. Like maybe that new 50" plasma TV.

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