Quote:
Originally Posted by auggiedoggy
Why do you need to split your collection from the other contents in your home? Just lump everything in your home together, in which case your present insurance company, or any other for that matter, should suffice, shouldn't it?
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Hi Rob,
You need to be very careful about this...many people have thought this and gotten burned. In my personal experience, most ordinary household policies will not cover collectibles and rare/special items. And if you ever suffer a loss (the only time you really need insurance) they'll find a way to deny coverage or at the very least dispute values. I have heard from other collector friends (one of whom did suffer a loss) that this is where Chubb shines - they back up the promises. But the coverage is expensive...
Cheers,
Blair