Direct answer
No, standard home insurance typically includes sub-limits for theft or damage to collectibles that are often far lower than the actual value of a significant collection. It depends on your policy’s ‘scheduled personal property’ endorsement, which you may need to add to gain full coverage.
Standard homeowners insurance policy declarations and endorsement guidelines. For additional information about typical coverage limitations for valuables, see the Insurance Information Institute‘s guide on home inventory and high-value items.
What this means for you
No, standard home insurance typically includes sub-limits for theft or damage to collectibles that are often far lower than the actual value of a significant collection. It depends on your policy’s ‘scheduled personal property’ endorsement, which you may need to add to gain full coverage.
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