When you pay your Homeowner's Insurance you are essentially gambling. In this case, the "casino" is your Insurance Company and they're betting you'll pay them more money than you'll ever receive in the event of a loss. As the rising cost of your premiums attest, they intend to win the bet.
If you have to file a claim, your Insurance Company will assign an "Adjuster" to investigate your loss and determine your compensation. But who does that Adjuster work for? That's right, the Insurance Company. Is there any question who they are most likely to side with in the event of a dispute?
Of course, most Insurance Companies and their Adjusters are fair and provide fine service, and they do give you some peace of mind in an uncertain world. But to make sure they can do their job well, you need to provide them with Complete Documentation of all your covered property and belongings. Not just the big things - your house, expensive entertainment center and furnishings - but also the smaller items that might slip your mind until they are missed after a Fire, Tornado or Burglary.