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My insurance company said I was covered by the standard homeowners policy. They also suggested that i document and photograph everything. I inquired about the stuff that was scratch built (most of my rolling stock) and they said it would be given a "like comparison" of factory made stuff for value.
They said they would be happy to make a "special" policy (read: take my money) that would cover my trains. But then it would put them in a collectors status and the price was outrageous with a giant deductable. I passed.
Terry
 
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