Make sure your expensive items are properly insured. Here’s why: • Typical homeowners insurance policies cover furniture, clothing and other personal possessions, but only up to a certain dollar amount. • High-value items like jewelry, artwork, smart phones and computers may need additional coverage. • Do you have any firearms or recreational vehicles (like ATVs, jet-skis, etc.)? Those would need to be listed on your policy as well. The answer is easy: Talk to your insurance agent and make sure