Today people have many items in their homes that appreciate in value and are unique items or items that are moved from place to place. These items do not fit the coverage benefits of the normal home insurance policy, therefore leaving them covered improperly if covered at all. Many of these items are excluded from the normal home policy specifically.  Examples are antiques, collectibles, fine art, jewelry, specialty sports equipment, other equipment, tools, cell phones, etc.

Many times items may have value because of their connection to an event or situation, but they may have no real value otherwise. This type of value is not insurable. For value to be insurable, it is critical that you have a proper appraisal completed by a competent appraiser or a receipt of purchase, pictures that clearly show all angles of the item, and a story or note about the item's history. If it is a collectible or an antique, the note should include its description, flaws and imperfections, and any other notations that might make its uniqueness apparent. All information and pictures must be submitted to our office for review for unique, collectible, or antique items to have provided coverage. Depending on the items, a new appraisal should be done every several years and submitted to our office with new pictures.