For guns, jewelry, ect you take out an additional policy in the amount you need
So if you want 200k of coverage then that's what you ask and pay for.
On jewelry you have to have written appraisals (from a jeweler) for each item that is over 3k in value I think it is. And for guns you need to have value for each one that includes any accessories on it as well as listing the serial number for each one. Of coarse the more pictures the better.
Most home owners policies will not cover much when it comes to these items unless you have additional coverage. You could easily have a terrible situational get worse if you arent properly covered. The same goes for coverage to rebuilt the structure. I'm not an expert on insurance but I have talked to and paid the right people who are so that .. just in case.
If your wife has a 15k or more wedding/engagement ring and she loses it or the 3k diamond pops out of it, it.would be wonderful not to have to worry about replacing it out of pocket because it just adds to an already bad situation. Or if you get robbed of your nice watch on vacation, covered.
You can buy insuramce for just about anything if you're willing to pay for it and In some cases it's worth the peace of mind
So if you want 200k of coverage then that's what you ask and pay for.
On jewelry you have to have written appraisals (from a jeweler) for each item that is over 3k in value I think it is. And for guns you need to have value for each one that includes any accessories on it as well as listing the serial number for each one. Of coarse the more pictures the better.
Most home owners policies will not cover much when it comes to these items unless you have additional coverage. You could easily have a terrible situational get worse if you arent properly covered. The same goes for coverage to rebuilt the structure. I'm not an expert on insurance but I have talked to and paid the right people who are so that .. just in case.
If your wife has a 15k or more wedding/engagement ring and she loses it or the 3k diamond pops out of it, it.would be wonderful not to have to worry about replacing it out of pocket because it just adds to an already bad situation. Or if you get robbed of your nice watch on vacation, covered.
You can buy insuramce for just about anything if you're willing to pay for it and In some cases it's worth the peace of mind