Originally Posted by
liking quilting
I guess I'm insurance dumb, but doesn't a general homeowner's policy cover up to a certain $ amount of personal property in the home?
Hi Liking quilting, I used to help write homeowner's insurance and in that "other life" learned that without a rider specifically insuring certain items, you will not get the full value to replace them. Perhaps because of the age of the items will only get a percentage of the amount it takes to replace. I would not hesitate to contact your insurance company, as someone else posted, that's what they are there for. They should be able to give you quotes on how much coverage you need and the cost.