Ryanfromindiana
Super Freak
So I'm not in a great mood and don't want to go into detail, but I have had several things stolen including some Sideshow stuff that I found out about today. After talking about it with my father who is a retired insurance agent (haven't talked to them yet....have to wait til Monday) my homeowners will cover it, but I will have to pay the deductible and it will only cover the original value of the item, not any appreciation since purchase. I'm going to assume he is right since he hasn't been retired that long and did it for 55 years. The question I guess I have is how do we cover our collections for their true values? I should have asked him but got disgusted and wanted to get off the phone and just thought about it now. I always thought my insurance would cover the replacement value of the piece.