My Coin Collection, Jewelry, Furs, Guns, Monet Painting And Other Expensive Stuff… Aren’t They Covered Under My Regular Home Policy?
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UPDATED: Jul 16, 2021
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Yes, but most home policies place specific dollar limits on coverages for cash, securities, coin collections, jewelry, furs, guns, silverware, antiques, and art. Make certain you check your policy to determine if there are special limitations for certain kinds of personal property. Check what the categories are, and the special limit for each category. If your personal property falls into a listed, limited coverage category and is worth more, you can increase coverage by adding a “rider” to the policy. Insurance policy riders are available at nominal cost.