Direct answer
No, because standard homeowners policies typically have low sub-limits for high-value items, meaning you likely need a separate ‘scheduled personal property’ endorsement or a dedicated collectibles policy to cover the full market value.
Standard ISO homeowners insurance policy forms defining personal property coverage sub-limits and exclusions. For additional information about how standard policies apply to valuable personal possessions, see the Insurance Information Institute‘s guide to homeowners insurance.
What this means for you
No, because standard homeowners policies typically have low sub-limits for high-value items, meaning you likely need a separate ‘scheduled personal property’ endorsement or a dedicated collectibles policy to cover the full market value.
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