A Bit About Insurance

A typical homeowner’s insurance policy offers little, if any, coverage for collectibles. To get coverage, you usually 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 to file a claim.

Also, take digital photos of all your possessions, just in case you have to file a claim. Insurance coverages differ; so if your furniture and electronics are included in the coverage, you will need proof that all your "things" were actually there.