Q: "I have a number of rare antiques and collectible items of special value. Are they covered by my homeowners policy?"
A: Household goods usually are covered, but only to a limited value. If you have rare, valuable items, it's a good idea to talk to your agent or insurer about that, because you may need to insure them separately. This will likely cost more, but maybe not a lot more. And you'll know you're covered, rather than finding out after a fire, burglary, etc. that your policy was inadequate.
Also, you may need to get professional appraisals to establish the current, accurate value of the items.
For more tips, including inventorying your possessions, resolving claims, etc., please see our "insurance tips for homeowners" page.