Richard: Better not wait. Small gaps in your insurance coverage can lead to big mistakes. Oh, I could tell you horror stories.
Emily: Brian Hunter.
Richard: Yes. He owned a home for 40 years - huge mansion - never updated his coverage. One night, his trophy bimbo wife got into a drunken snit, lit a curtain on fire with her marijuana cigarette, and burned the place to the ground. He couldn't afford to rebuild. Lost his fortune, lost the bimbo.
Emily: Now he sells sunglasses out of the back of a van in California. Cheap ones.
Richard: Because he didn't update his coverage.