These limits seem low, I have possessions that are worth much more...

What about items that have a high value?

You need to speak to your independent agent about additional coverage for specific items (like a diamond engagement ring).

Remember that homeowners insurance is designed to cover general personal possessions, not valuable collections like antiques, jewelry or original art.  Insurance companies deliberately limit their coverage of expensive possessions so that household premiums are more affordable to everyone.  After all, if they had to cover museum-level art collections under standard homeowners policies, we would all end up paying higher premiums to cover those expensive items.

Association of Wyoming Insurance Agents
		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com