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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

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