two more things to think about
I have my machines listed under homeowner's mostly because, over the years, I have accumulated quite a few machines - including a longarm (only for personal use), a few fairly expensive new machines including an industrial Juki, and lots of vintage machines. They are all photographed, listed with value and serial #s...etc. However...they are NOT covered if/when I take them away from the home. (To a retreat, or back to the dealer for service, for example)
just saying...you may want to make sure you know what exactly is covered.
Also
It never hurts to check up on your policy(s) from time to time anyway.
My auto policy had this happen:
Recently, there was an accident in another state completely unrelated to me or my cars, yet one of the auto owners involved in the crash somehow charged my auto insurance policy for all damages. Don't know how they got my policy # and account info, but they did. I had to contact my insurance broker, and he/they were completely unaware of the charge against my policy. I don't even own the kind of car that was damaged...and I've not driven in that state...1400 miles from where I live. My broker had to jump in and fight for me. Surprised my rate didn't go up....
