To be properly reimbursed for the loss of personal property in your home, you should take a written inventory of household contents and a video tape of these contents- You should have a written description and an oral description that includes which of the following?

Property insurance protects the structure of your home (dwelling coverage) and your belongings (personal property coverage). 
Personal liability coverage protects you if you're legally responsible for damage to someone's property, or if you accidentally injure someone whether you're at home or away from it.