Use a smartphone app to record the model numbers, prices, and serial numbers of your belongings. Use it to shoot photos of the items, as well as receipts and appraisals, then save all the data off-site for safekeeping. In the unfortunate event of a burglary or fire, you'll have all the documentation you need to maximize your claim. Home Inventory
, about $5 from iTunes.The payoff:
Proving the existence and value of just one electronic device or piece of jewelry could yield $500 to $5,000
in insurance money when you really need it.