Protecting Our Most Valuable Asset

For most of us, probably the most important investment we will make is our home. We sometimes rely on an insurance agent to tell us how much insurance coverage we should have. Do we take into consideration our coin collections, gun collections, jewelry and other very important items of personal property? What about the boat we keep in the garage, is it insured? Sometimes we get confused about the terms "market value" and "replacement value". Do we really understand the difference?