If your antiques and collectibles are one-of-a-kind items, you may wish to have a qualified appraiser place a value on your collection. Your property can then be scheduled on (or written into), your Insurance Policy with specific values on each item. Your Insurance Broker can advise if your Insurance Policy covers your “art works, antiques, rare objects, and other items that cannot be replaced” for actual cash value unless scheduled. Keep in mind that items such as jewellery, furs, stamp collections, coin collections, and silverware have insurable limits unless scheduled. We all place a priceless value on our Grandma’s fine needlework, or her fine lace bonnett, or whale bone corsett, but these items may be of sentimental value to family members only.

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