We bought our first real piece of art three years ago. Not a poster or something decorative from HomeGoods, an actual painting from a gallery in New York. Spent more money than I’m comfortable admitting. Brought it home, hung it in the living room, and didn’t think about insurance until six months later, when our basement flooded. The painting was fine; it was upstairs. But standing in three inches of water at 6 a.m., watching…
