Hi.
I have a question that I haven’t found the answer to yet on your site (which I read every day.) I have over $40,000 in storage food and survival supplies. I was wondering about insuring it with my homeowners insurance. I doubt my company would believe me if a fire or tornado destroyed everything. If I take out a supplemental addition to my insurance there goes OPSEC. Should I just take pictures on everything and store them off site? What are your thoughts on this? Thanks for all the great information. – Nancy S.
JWR Replies: Many homeowner’s policies are written with “matching coverage” to the effect of: “If you house is worth $250,000, then we’ll cover $250,000 worth of your household goods.” I should mention that most policies specifically exclude precious metals, without buying a separate “rider” policy. (Be sure to check your policy, for details!)
To keep your other gear insured stealthily, I recommend that you save all of you receipts and scan them. Also shoot digital pictures of all of your stored gear. create a file with descriptions and serial numbers of the most expensive items. Make two backup copies of those files, on memory sticks. Hide one of the sticks at your retreat, and the other one at a trusted friend’s house.