Are High Value Items Covered by Home Insurance?

Thursday, April 2, 2020

Are High Value Items Covered by Home Insurance?

High value items will be covered under a typical home insurance policy, but not past a certain dollar amount, unless your policy includes special provisions.

Different insurance companies may have different limits, but generally it breaks down something like this:

There are items that are potentially best covered through specialty insurance rather than through your home policy, but by and large, you can cover most high-value items through the same plan that you use to cover your TV, stereo and other common possessions.

So, short answer: Your home insurance policy doesn’t automatically cover high-value items. You can buy extra protection for them, but don’t expect them to be included in your standard inventory.