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Each year, you renew your insurance policy without reassessing your coverage needs. In particular, you haven’t looked at your policy limits (the maximum amount of money the insurer will pay out on a claim or per year) for a long time. You live in a geographic area that’s prone to floods, hurricanes, tornadoes, wildfires, or heavy snowfalls, and you aren’t sure to what extent your policies protect you from these disasters. You’re renting out the home that belonged to your parents and have kept their...