Most homeowners think about their homeowners insurance only once: When it is an obstacle between them and closing on a property. Few pause to consider their options or the extent of their coverage and many instinctively select the cheapest policy available to them.

Rarely do consumers understand the thoroughness of the documentation they will need to recover their belongings if disaster strikes, or what degree of compensation they can expect. As a result, there is a staggering lack of awareness among homeowners of how to adequately protect their property and help their insurers in the process.

As owner of TWS Home Inventory, inventorying was a need I first recognized in my community, Colorado Springs, following the Waldo Canyon Fire. Natural disaster and property theft knows no bounds, however. TWS has since expanded nationally to fulfill this universal need.

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