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9162 Union Cemetery
Cincinnati, OH 45249

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Does Home Insurance Cover High-Value Collections?

For collectors in Cincinnati, OH, safeguarding their valuable collections – be it art, antiques, or memorabilia – is a top priority. If you have a special and valuable collection, here’s a look at how home insurance might treat coverage for it.

Understanding Standard Home Insurance Coverage

Most home insurance policies include coverage for personal property, which typically encompasses various items within your home. Furniture, electronics, clothing, and even some expensive items can be covered under personal property protection.

However, there are often limits to this coverage, especially for high-value collections.

Limits and Exclusions

Many standard home insurance policies have specific terms when it comes to high-value items:

  • Sub-limits: Home insurance policies usually have sub-limits for certain categories of items. This means that there’s a cap on the amount the insurance company will pay for a single item or a specific category, such as artwork, firearms, or other collectibles.
  • Exclusions: Certain types of high-value items might be excluded from standard policies, or the coverage may not be sufficient to cover their full value.

Protecting Your High-Value Collections:

To ensure adequate protection for your collections, you might take the following steps:

  • Additional Coverage: Consider purchasing additional coverage specifically for your collection. This is often available as a floater or a rider, which extends or adds to your existing home insurance policy, providing higher limits or broader coverage for specific items.
  • Specialized Policies: For very high-value or unique collections, a specialized insurance policy might be necessary. These policies are designed to cover the specific needs of rare or expensive collections. 

We at McCluskey Insurance Services LLC can usually find sufficient coverage through a floater or rider, but occasionally a more specialized policy is necessary.

Get Coverage for Your Collection

If you’re in Cincinnati, OH, and want to ensure that your high-value collections are adequately insured, contact us at McCluskey Insurance Services LLC. Our agents can help evaluate your current policy and guide you through other home insurance options if you need more protection.

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