Great article! I think so many people don't really understand the implications of underinsurance. So many people also think they only need to insure their most valuable household items. Complete an inventory and update it every 6 months to a year, and keep that record on file! It could help you immensely in an event of a claim. I have a great basic inventory if anyone would like me to send it to them :) email me on carlavdwes@gmail.com