related useful post about insurance and keeping track of your possessions https://www.reddit.com/r/Tennessee/comments/fdju8r/cookevill...
Once a year walk through every room in your house with a video camera, openning all drawers and closets and record it all. Drop your 20-plus gigs of high-dev video somewhere (I use AWS glacier for pennies a month) and then IF you ever need to, you can painfully go through it and catalog everything.