RE: Home Owners Heads Up
Just want to add a note here (I sold insurance for a couple of years). You need to question your agent about the guns,jewelry, etc. As some have said, you can add a rider(with some companies) to your policy for a face amount on the above. But, and this is a big one, some companies require you to have each item, gun, jewelry,etc., appraised. Most often the appraisal can not be over 30 days old. If you just get a figure added on to your policy, say for $5000, and your guns are worth more, they only pay the $5000, you pay the remainder to replace the guns. If you have them appraised, and insure them for the appraised amount, then that's what they'll pay. The appraisal may need to be updated every few years.
Another thing to check, if you have a blanket amount like the $5000 and your policy is one that reduces the amount they pay you , based on depreciation, they you may only get, lets' say $4000 after depreciation is figured in.
There's several type insurance policies for homes', such as, HO1,HO2, HO3, Farm Owners, etc.(HO stands for homeowner) Each covers different things and amounts.
Like ktscontender said, best to check it out now. Only takes a phone call and a visit to your insurance agent.
dog1