Hey...What about my coin collection, jewelry, guns, and other expensive stuff??

Here is a common question asked by many of my insureds.  "My coin collection, Jewelry, Furs, Guns, Monet painting and other expensive stuff… aren’t they covered under my regular home policy?"  This seems like a pretty straight forward question. I will answer it as detailed as possible.

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.

As always it is best to take some time and look at your own policy.  If you have questions you can always call your agent.  If you have any questions about this topic or any other insurance related question feel free to email me at gerry@askgerry.com  Thanks  have a great week!