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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!
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!
