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If you have been postponing this kind of planning, I gently encourage you to take that first step. A simple consultation with a qualified attorney or family financial planner can change the way you sleep at night.
We updated my coverage limits to match the current value of my home. We added a small personal property rider for items that mattered to me, including the denim jacket, which I planned to keep safely as a family heirloom. We discussed liability coverage, since hosting a granddaughter and a young father meant new visitors would be coming and going.
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