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The issue in GetHuman916259's own words
Would a high value art collection with some pieces appraised at over ***k be covered at full replacement value under a home owner's section * personal property coverage I have enough coverage in terms of amount? Most insurers demand that an inland marine policy*personal article floater policy is used to actually replace these types of items, and collections of this magnitude. Can you answer if you just cover actual cash (material value), and not the appraisal value?
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