Do I have certain possessions — computer equipment, cameras, jewelry — whose replacement values far surpass normal coverage limits in my policy?

Standard policies may not come near covering the replacement costs of even moderate amounts of home electronics hardware or expensive possessions. For relatively small amounts, you can purchase "floaters" that will add protection to certain types of personal property. In addition, equipment related to a home-based business may not be satisfactorily covered unless you obtain additional protection.  more