Document and Insure Your Property
How to inventory your home or business, understand homeowners, renters and business insurance, choose a settlement type, and file a claim after a disaster. For owners and renters who want coverage before disaster hits.
Source: FEMA. Not endorsed by FEMA or the U.S. Government.
Last checked against the source 2 October 2026
How to use this document
Who it's for: homeowners, renters and small business owners checking their insurance before a disaster.
How to read it: Documenting your property and safeguarding records covers the home inventory. Understanding what a policy covers explains homeowner, renter and business policies, and the perils most policies leave out, such as flood and earthquake. Knowing your settlement options compares replacement cost, actual cash value and the others. The last sections cover discounts and filing a claim.
Read alongside: Safeguard Critical Documents and Valuables · Floods
What's in it
- Documenting Your Property and Safeguarding Records
- Understanding What a Policy Covers
- Knowing Your Settlement Options
- Qualifying for Discounts
- Filing a Claim
- Additional Information
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