Well you would have to read your policy and ask your agent, I am just saying generally, as I understand it, collectibles are only covered with a rider and it may be less expensive and more convenient to buy a separate policy than to purchase a rider.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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