Well of course my new car is financed, Mike, so what coverage do I really have a choice? Probably the biggest area a good agent can assist you in this area is understanding common Exclusions. For instance, jewelry has a low limit on your homeowners policy and most people will need a Floater policy for such items. In commercial insurance, many businesses would need an Inland Marine policy for items that are excluded from most property policies.
Give me a call to review your current policies and be sure you are practicing good risk management.