...and if I may add:
Treat your house at least as good as your workshop. Once a year walk through your house and video or photograph every room to document the contents. Burn it to a CD and give it to someone else or keep it at work. If you can't prove contents, then the insurance company will apply a factor to arrive at the value of your contents. THEIR factor = THEIR value, not yours. You don't realize how little an insurance company thinks of your clothes, and how valuable your clothes are until you have to go out and re-buy them.
Bill
