Insurance vs. Safe? Or both?

[conor912]

Go back and search this board. There have been several threads on the subject. However, to give a short answer, your collection up to a certain dollar amount is covered under your homeowners insurance. Call your insurance company and ask them -that's what they are there for. Insuring anything above that amount costs extra - either with them or a supplemental carrier - and runs in the general range of .6 to 1.0% of the declared replacement value (I.e. about $250/year for a $30,000 policy).