Personal coverage
Jewelry, art, and collections individually scheduled, since standard homeowners coverage caps these categories well below what they're often worth.
Check it yourself
Two minutes with the policyyou already have.
01
Where to look
Homeowners policy, Special Limits of Liability
02
What it reads
A short list of categories, each with its own low cap
03
What goes wrong
That cap applies to the whole category, not per item. Anything meaningful has to be scheduled individually to be genuinely covered.
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