During cold winter months from November to March, when people spend more time indoors, crank up heaters, and cook more often is when most fires happen. The property damage nationwide is estimated to cost billions of dollars each year.  

Although some pictures and treasured items can't be replaced, insurance agents say there is a way to help you get back to living more comfortably again.

State Farm Insurance Agent and business owner Steven Jones said, "Renters insurance focuses primarily on your property because you don't own the unit until you live in and the policy will give you liability coverage. Buying insurance for contents in your home or apartment is more affordable than most people think. When you divide the cost over 12 months, it really is affordable. Everybody likes pizza, so for the cost of a pizza, you can cover around 50-thousand dollars of your personal items. Yes, it is very affordable. If you rent a home, you should buy a policy to cover the structure, as well as a policy to cover contents. Insurance is a necessary commodity. It is a very important part of your financial plan, just like retirement."

The best advice is to read your policy and know what coverage you purchase. 

Most policies that cover contents cap coverage of jewelry that was destroyed in a fire or stolen at around $1,000 to 1,500 dollars.

 Most companies require a separate policy to cover high-value jewelry.  For separate riders, each item covered must be professionally appraised, and the paperwork for that appraisal must be submitted to your insurance companies.