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<p>[QUOTE=&quot;antidiem, post: 34701, member: 30&quot;]Armando, an insurance rider will cover one or more pieces of art, jewelry, coins, guns, whatever is valuable and insurable, but it comes at an extra annual cost as it covers items not insured under your home owner&#039;s or renter&#039;s coverage. For example, my home owner&#039;s coverage has a cap on the amount of speciality items they are willing to pay replacement value for. The item(s) must be appraised by a certified appraiser with a written appraisal, a copy is given to the insurance company. I&#039;ve never had a piece of artwork appraised. You would have to read your policy and/or speak to your insurance agent to find out what isn&#039;t covered.[/QUOTE]</p><p><br /></p>

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