Another year gone into what we call the past – I find it hard to believe that 2023 is over and we’re starting another year.

I decided to start writing about the importance of having a catalog of all your personal property. I learned that in these uncertain times anything can happen to destroy your home, business and take away all you own.

If you own your own home, you must know the cost of Homeowners Insurance is going up every year. Just think about all that’s going on around you and everything you own and have and invested in.

At any minute it can be destroyed or stolen. Whether a natural disaster, an accident while working around your house or theft. Yes, there are individuals out there looking to steal and make money off you and everything you own.

If you feel secure in your home with all the latest security prevention, cameras, alarms, fences, walls, etc. that’s great but if something unexpected happens do you know for sure what is inside/outside your home?

Just saying, you should know and document your personal property. If you, at the very least, take photos and make notes of property you worked hard for, that would make a big difference when your insurance company asks you what property or personal belongings were destroyed, vandalized or stolen.

All I’m saying is be prepared with a list of all your stuff so you can present it to your insurance agent. It will make a big difference if you can prove value instead of them (insurance company) giving you what they feel your valuables are worth.