Back in 1978, Allstate wouldn't insure my house because my stereo system was considered way more than the % of the value of the house.
Now I have extra riders for my stereo and art, pretty cheap, plus I have an umbrella for extra liability.
Been thru 1 house fire that destroyed everything. Just because you have X amount of money for your items, you have to list every cd, album, fork, pair of underwear, cable, etc to the insurance company to get reimbursed. It takes months to file a claim. I have video of all my rooms contents and stored off site so if anything happens, I have proof.
Now I have extra riders for my stereo and art, pretty cheap, plus I have an umbrella for extra liability.
Been thru 1 house fire that destroyed everything. Just because you have X amount of money for your items, you have to list every cd, album, fork, pair of underwear, cable, etc to the insurance company to get reimbursed. It takes months to file a claim. I have video of all my rooms contents and stored off site so if anything happens, I have proof.