The last time you reviewed your home owner's policy, did you check to see that you had the appropriate riders to cover such items as jewelry, antiques, artwork, silverware, etc.? Insurance companies set limits on the amount of coverage for items within these categories. For example, $1,000 is the coverage for jewelry, watches, furs, precious and semi-precious stones. If the value of the items you own exceeds $1,000 and those items are lost or damaged -the maximum amount you will be reimbursed - is $1,000. That is why it is important to have special riders added to your policy so in case the unforeseen occurs - you will receive reimbursement for the total loss.

Another sure way to guarantee the maximum reimbursement of your personal property and in a timely manner - is to have a home inventory report. For each claim submitted, a detailed list of the damaged or stolen items is required. You will also need to prove ownership and value of the items. Don't try to put this list together by memory - which is what you will need to do after a disaster occurs - if you don't have an existing inventory report.

For further information regarding a home inventory report, visit www.jlksystems.com