Essential inventory: list belongings with details, photos, and backups for insurance. Simplify with video: go room by room, narrate each item with value info, including sentimental and appraised worth.
Meet insurance agent to understand coverage and settlement options (cash value vs. replacement cost). Discuss additional coverage for extreme weather and potential gaps, share recent home updates.
Set aside amount for emergencies, accessible savings account. Build 3-6 months of living expenses based on regular costs.
Perform routine home maintenance, including gutter cleaning and roof inspection, to safeguard against severe weather damage.