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Homeowner’s policies typically have very limited coverage for valuable possessions – such as jewelry, fine art, wine and spirits, antiques, fur, silver, coins, musical instruments and collectibles. A Valuables policy or valuables coverage rider can provide the proper protection for those unique collections.
Excess liability insurance provides you additional protection in the event that you are involved in a lawsuit. This type of coverage responds when the underlying liability limits of your other insurance policies, such as home, auto and watercraft, are not enough to cover the cost of an unexpected lawsuit or accident.
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