Got precious metals sitting in your vault? You might want to give that insurance policy a second look. With gold prices breaking records and other metals following suit, the coverage you locked in years ago probably doesn't reflect today's reality. Think about it—that inherited jewelry collection or those gold bars you picked up during the last dip could be worth double now. Insurance adjusters aren't automatically bumping up your limits. Take 20 minutes this weekend to review what you're actually covered for. The gap between market value and policy coverage can be brutal when you need it most.