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Running a business is more difficult and time consuming in these economic and challenging times. The forty hour week is a thing of the past if you want a business to succeed. One very important precaution that often gets overlooked in the time consuming process of running a business is to put together a plan in case of catastrophic disaster. Throughut the country this year, there have been record setting occurences, including floods, hurricanes, draughts that all negatively affect business insurance. Nevada, where we at Menath Insurance is based, has had two major fires in the Reno area.

The attached article from the Insurance Information Institute outlines what steps should be taken to insure that you have a disaster recover plan.

When insuring your property, one of the most confusing topics that a consumer has it trying to determine the value of one's personal property. Dwelling replacement is a fairly simple calculation based on the square footage, area the home is located and quality of construction. Putting value on all of your "stuff" can be a lot more challenging when determining the amount of coverage for your home insurance. Nevada older homes have a particular challenge since many of the classic properties contain antiques or older funiture that may be difficult to place a value on.

The below article from the Insurance Information Institute talks about how to value personal property and has a convenient form to list your assets.