Insurance claims

A friend of mine has a painting business and stores his ladders and other equipment in his garage.He's not incorporated and operates the business in his own name.The standard homeowner policy automatically insures detached garages however coverage for the garage may be excluded from the policy under certain circumstances.'Business use' is one such circumstance.
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Why insure a house for replacement value?

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A claim is a bad time to find out you had the wrong coverage, low coverage or no coverage at all.

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Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:
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It is a good idea to take an inventory of your personal possessions, at least annually. Keeping a current inventory benefits you in three ways:
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