You can't just declare everything on your homeowner's insurance?
I think you need a separate policy, similar to what people get for jewelry.
Yes perhaps I'm not using the right terminology, or it may be different for different companies - State Farm has a "personal articles" part of our home insurance policy specifically for smaller high value items such as jewelry.
how do they know how much your collectibles are worth? do they just go by retail price or what
mas5acre, I have my statues insured and I just go through my regular homeowners insurance. The policy cost per year is low, it's totally worth it in my opinion. I have a spreadsheet of what I paid for the items that they keep on file. I update that with them as I need to. To find out what the collection is actually worth, I would think you would have to have a professional appraisal. I didn't go that far but I guess it's possible to have something like that done. It's just my opinion but I would be apprehensive to go with someone other than who you are use to dealing with.
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