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Special Limits on Personal Property

Most people don't know that certain types of personal property may not be fully covered under standard homeowners insurance.  Items such as jewelry, furs, guns, coins, currency, and collectibles are subject to specific limits of coverage on a standard policy.  If you have any of these types of items that may have an appraised value higher than the specific limits, you can purchase the additional coverage you need (and it is usually relatively inexpensive).  You'll need to talk to your insurance agent to get this done.  You may need special documentation, such as a receipt or an appraisal.

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