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In response to "can you explain? you mean I can't get coverage? -- nm" by loosilu

Oh, sorry. I think you probably can.

There are things that can be added to your existing homeowners/renters policy. Those are riders - and only cover named perils (theft, fire, etc.).

But you can buy Personal Articles Policies that will cover jewelry, art, and various other things for all perils except those that are excluded. If I remember correctly, losing them was covered. (it's been 17 years since I was a claims rep...wow.)


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