It pays to check your home owner’s insurance policy on a regular basis.
I had a jewelry/fur rider for years. When the price of gold reached all-time highs I sold much of my jewelry and gave away a lot of it to my daughter. And, I haven’t owned a fur coat in years. I looked at what I had left that was covered by my policy and decided it wasn’t worth it to keep it. I am now saving $89 per year.
It also pays to review your auto insurance policy as well. Now that I am not driving so much I got a $37 per quarter rebate on my auto insurance.
It pays to read your policies and not pay for what you don’t need.