Just wanted to add further to Sopdet's post - some sites have lists you can print off and are really thorough so use those!! Once you start listing stuff it is amazing how much you have!
ETA: I just did ours and the estimator says we are under insured by $139,000!!!!!!!!! I knew ours would be a bit under and I doubt it will be that high once I do the actual list for each room but holy moly!!
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