There are a few things that you can do to protect your house and apartment. You can strengthen your security by reducing costs of the insurance policy by:

• tiding the large and heavy elements, which can easily fall and make some damage;

• securing the windows, placing your stuff in a safest location when you will be sure of incoming danger;

• turning off the home electronics and all electrical devises;

• ordering the building inspector or the architect to check out which construction improvements might help you to avoid or to reduce the damages caused by a dangerous event;

• making a list of belongings, which could be helpful during the insurance procedure after your personal items are in fact damaged You could make that list simply by writing or by photographing the belongings. There should also be attached a picture of the car. You should ask a professional to estimate a value of the jewellery, collection items, works of art., and other things, if their value is difficult to define;

• making a copy of your bills and receipts, where the most valuable items are concerned;

• putting in a safe place all the original financial and family documents, such as: birth certificates, marriage certificates, tax returns, insurance policies, stock shares and bonds. You will most certainly need all that documentation while dealing with the insurance company as well as with any tax office;

• buying a insurance policy.