Editor’s Note: This article has been provided by Dan Farrell, a consultant for Enservio and the Consulting Producer for the PBS’ “Antiques Roadshow” TV series.

For most people, thinking about their insurance coverage begins and ends with paying their monthly premium. Sure, they are happy to be covered, but if you ask them if they’d receive enough to replace a specific item in the event of loss, then few would be able to reply with any sense of certainty.

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