Insuring Your Possessions
If you own items that you think would catch the eye of appraisers on “Antiques Roadshow,” make sure you’ve got the proper insurance to protect your investment.
Homeowners insurance for especially valuable items — like furs, jewelry, antiques, collectibles, wine, and fine art — is not just a good idea, it’s a necessity. That’s because a regular homeowners insurance quotes policy, which covers your personal property, has limits on how much it will pay for certain kinds of priceless items.
If you want to make sure that your valuables are covered, you’ll need to make special mention of them when you buy your homeowners insurance. You’ll probably have to take out a separate rider for items like the ones we’re talking about here. That might mean you’ll pay a bit more for your homeowners insurance quotes policy. But if you don’t take out the rider, you’ll be sorry if anything happens to your treasures.
In general, if you have any one item or a collection of items that is worth more than $2,500, you should mention it to your insurance agent when you buy the policy. The threshold of value will differ from company to company and from policy to policy