No matter how much insurance you carry, no insurance policy can adequately compensate you for all your pain, trauma and inconvenience following a fire or theft. Consider the following to minimize the chance of a loss:

· Install appropriate smoke detector(s). These can give you early notice of a fire and may save your life. Cost is minimal, and many municipalities require smoke detectors in homes.

· Practice home fire drills. This will let your entire family, particularly your children, know what to do if a fire should occur.

· Lock up all firearms in a gun safe.

· Make sure gasoline and other flammable liquids are stored in approved containers.

· Consider upgrading your electrical panel of your house is more than 25 years old. You should have at least a 100 amp main service; 200 amps are common with newer construction.

· Take an inventory of your personal possessions. This may include photographs or a videotape of your furniture and belongings, as well as a written list of your home's contents and their purchase price. The inventory should be kept in a safe place, such as a safety deposit box. In the event of a fire or theft, such documentation will be very beneficial in filing your claim.