Just a few comments to what Stu mentioned. Be aware that "Household Goods" category will likely use depreciation clause. so if it comes to a claim, you get a fraction back. Most insurance companies use this for art categories as well. Make sure the coverage amount is stated in the policy as amount to be paid in the event of loss, with no depreciation, and items are covered at a full stated value. Most companies will ask for receipts, but some will not and do not require appraisals at all and will insure at fixed level for each item. as always, make sure to read fine print)
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