We do what homeowners insurance can’t

For everyday, easily replaced personal property, homeowners insurance is all most people need. But for prized possessions you may have spent a lifetime collecting, it doesn’t go nearly far enough. For example:

  • Homeowners coverage is typically based on the actual cash value of your collection—not its current market value
  • It can limit coverage of all the contents in your home to a percentage of your home’s total value (usually between 50% and 70%)
  • It may not cover losses caused by floods, hurricanes, or earthquakes
  • It may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items
  • You may be required to appraise and schedule all items individually. And new items must be reported and scheduled within 30 to 90 days of acquisition

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