Direct answer
Standard homeowners policies usually have strict sub-limits for collectibles, meaning they likely won’t cover the full value of a significant coin collection. You will typically need a specific rider or a separate inland marine policy to ensure full replacement cost coverage.
Insurance industry standard policy forms and coverage definitions regarding personal property sub-limits. For additional information about standard personal property coverage and potential sub-limits, see the Insurance Information Institute‘s guide to homeowners insurance.
What this means for you
Standard homeowners policies usually have strict sub-limits for collectibles, meaning they likely won’t cover the full value of a significant coin collection. You will typically need a specific rider or a separate inland marine policy to ensure full replacement cost coverage.
FARMER STOCKMAN
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