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I'm pretty sure my trains are covered under the homeowner's policy, as Rick suggests.

My policy already has several 'named' items on a rider that are insured for a stated value, like my son's 19th century cello and my wife's diamond ring. If I had a $10,000 Aster Big Boy, I'd put that on the rider at the appropriate value.

At the moent, most of my trains aren't worth as much as the deductible!
 
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