Direct answer
It depends on your policy’s sub-limits; most standard homeowners policies place a low cap on collectibles, often requiring a scheduled personal property endorsement for full replacement value.
Standard homeowners insurance policy language and typical declarations page sub-limit schedules. For additional information about typical policy limitations and high-value coverage, see the Insurance Information Institute‘s guide on home insurance.
What this means for you
It depends on your policy’s sub-limits; most standard homeowners policies place a low cap on collectibles, often requiring a scheduled personal property endorsement for full replacement value.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
