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Janessa - I definitely recommend getting renter insurance. It's usually very cheap and worthwhile. Your landlord's insurance is the bare bones, and won't cover any of your things.
I like the idea of videotaping rooms, great suggestion, Kelsey. With pics or video, I would probably update once a year or so, or sooner if things change. For the scrappy stuff, what I've done so far with mine is I have an itemized Excel Spreadsheet of all my cricut cartridges, working on a list of my cuttlebug stuff and will begin itemizing all the other scrappy stuff I have. By themselves (other then the cricut stuff), they're not that expensive, but add them all up together and I know I have several 1000s of dollars. Even the organizer cubes that I store them in. It all adds up. DH & I also have a huge DVD collection, so I also want to itemize that on an Excel spreadsheet to. And keep all spreadsheets, pics/videos, etc. at the safe box at the bank. I never thought much about any of this until what my friend went through. 2 years later, she still hasn't gotten full reimbursement from them.
I'm looking into an off-site back up that will continuously back up my computers, which have all of our pictures on it plus picture of all my scrappy pages. One of my clients is an insurance company and it's suggested that you do the whole serial number and picture thing at least once a year. Obviously if you get a really expensive tv or sound system you should get the serial numbers and pictures right away, but for just basic personal belongings doing a video once a year is usually sufficient.
Becky - That is a great idea to itemize everything in the scrap room. I really should do that! Especially where mom and I have exchanged cricut carts. I would hate for her to not get paid for what I have in my scrap room.
Jessica - That is the first I have heard about serial numbers. I'll have to remember that.
~*~ Kelsey ~*~
Missing our angel since February 17, 2009
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Our home owner insurance is set for a dollar amount, I think 100k to replace our trailer and all household items. Over and above that we could insure individual items of value, like our solar panels and system once that is set up, jewelry, or camera equipment. The only thing we really have is our food storage. I think our insurance is different because there is no mortgage.