In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

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To your financial success!
Al Crisp CPA

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There are many kinds of insurance: homeowners, automobile, health, fire disaster, and others. Homeowners insurance provides financial protection against disasters for the owner of a home and even for people who rent an apartment, house, condomium, or other. A standard policy insures the home itself and all the belongings and furnishings inside. A package policy, homeowners insurance covers both damage to a person's property and the associated liability or legal responsibility for any injuries and property damage that person or members of that person's family cause to other people.

This also includes damage caused by household pets. Most damage caused by natural disasters is covered but there are three that are not covered by homeowners insurance: flood, earthquakes, and poor household maintenance. For any of these disasters, the person must purchase separate and additional policies. Also, maintenance-related problems are generally almost always the responsibility of the homeowner.

Within this general framework, there are many kinds of choices such as a limited choice policy, a basic policy, varied levels on that basic policy as well as separate policies specific for renters. Actual cash value policies is the kind of policy that seeks to replace the value of the home or possessions minus a deduction for depreciation. Replacement cost policies pay the cost of rebuilding and repairing the home or replacing possessions without a deduction for depreciation. The third tier of protection in policy is the guaranteed or extended replacement cost policy which offers the highest level of protection.

Rather than guaranteed replacement cost policies, some insurance providers offer extended policies, which pay only a certain percentage over the policy limit toward rebuilding a home.

One of the first steps in protecting the valuables and possessions in a home, is taking an inventory. Having an up- to-date home inventory will help the insured get their insurance claim settled faster, verify losses on their income tax return and help them purchase the correct amount of insurance. Taking an inventory can be easy or tedious depending on the size of your household, amount of belongings, and level of organization. However, it is very worthwhile. One of the first steps is categorizing possessions, separating clothes and big items such as large furniture, valuables, jewelry, equipment, technology, and other possessions.

Taking photographs or videos of the rooms in a home can help in the process, and categorizing personal property is a good idea. It is helpful to list possessions in separate categories, such as clothing, large furniture, equipment and jewelry and to note down each item's approximate cash value. A computer or PDA can be useful in creating a back-up list. Once the lists are completed, they should be stored in a safe deposit box, the home of a relative or friend, or some other secure spot away from your own home. That way, the lists can be safely accessed should a disaster occur.

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