It can happen so easily - you forget to turn the coffee pot off or blow out a candle before you leave the house....and a gas leak, or even lightning. 

A fire can start so easily....

So not only is prevention key - things like sprinkler systems and smoke alarms -- you have to make sure you have the proper insurance in place.

Your homeowners policy should include fire insurance. The bigger question, though, is whether it covers the value of all your stuff.

So you need to figure that out.  And we are not just talking about the  actual fair market value of your home, but all the things in it. That means you need to go in your closets and down in the basement and take photos and videos and try to come up with a value.

Then make sure your policy comes close.  If it doesn't, get on the phone with your agent and fix that now.

And for more tips, check out the video above.


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