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You probably don't think about it until happens. How many assets do you own that are high-value items either in terms of monetary or sentimental value? Your homeowner's insurance doesn't cover everything you own and the items it does cover are only partially insured if they're high-priced items. Here are a few items you should consider insuring beyond your normal policy.

Jewelry

Your homeowner's or renter's insurance policy may already cover your jewelry, but most policies have a limit well below the value of more expensive pieces. First, have the jewelry appraised and then add it to your policy or purchase a separate policy or rider.

Computer Equipment

What is the purpose of your computer equipment? If it's for personal use, it will already be covered much like your jewelry. If it's for business use, your employer likely has a policy covering the equipment. If you're self-employed, you need a policy that covers your business assets.

Artwork

If the artwork stays on your wall, insure it with a supplemental policy if your homeowner's or renter's insurance doesn't cover it completely. If the art is ever on public display, purchase a public liability policy to protect the piece from damage.

Specialty Tools

If you're a mechanic or work in a trade that requires specialty tools, look to your homeowner's or renter's policy for guidance or include the tools in your business insurance coverage if they're stored at your home but primarily used for your business.

Pets

No animal lover wants to treat his or her beloved friend as property, but most laws see animals as something you own. Insurances related to pets include health and liability insurance. Did you know that, depending on the breed, your pet may be excluded from your homeowner's policy?

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