Do I Need Special Coverage On My Homeowners Insurance Policy for Collectibles

A typical homeowners insurance policy offers little, if any, coverage for collectibles.  To get coverage, you have to specifically request it and pay an extra premium.  Before you insure collectibles, consider getting a written appraisal of each item first.   It will help you get the proper amount of coverage and will reduce the chance that the insurer will contest your estimates if you have a claim.



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