This tip is special thanks to Chad at the Cre8tive Group , who didn't realize his helpful information would become a tip for the world to see! You'd think that if you have a high-price item in your home or business that it would be covered, in almost any circumstance by your homeowner's insurance. But you may not realize that most insurance policies only cover individual personal items up to $1,000, often times close to your deductible. Of course, if your house burned down, flooded, or was otherwise destroyed, of course insurance would replace the home and the items inside. But, if someone broke in, stole that one item, and left, it would only be covered to $1,000, unless you have a separate type of insurance for the item. So, Chad informed me that a type of insurance offered by most providers is a great solution. It's a type of insurance called inland marine insurance, which you can use to insure any piece of property at almost any value. The best part is that this ins...