Direct answer
No, because standard homeowners policies typically have sub-limits for collectibles that are far lower than the market value of a rare coin collection. You generally need a scheduled personal property endorsement or a specialized inland marine policy to fully cover the actual value.
Standard HO-3 homeowners insurance policy declarations and endorsement guidelines. For additional information about how standard policies apply to specialized collectibles, see the Insurance Information Institute‘s guidance on coverage for high-value personal property.
What this means for you
No, because standard homeowners policies typically have sub-limits for collectibles that are far lower than the market value of a rare coin collection. You generally need a scheduled personal property endorsement or a specialized inland marine policy to fully cover the actual value.
FARMER STOCKMAN
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