We are only a few weeks away from the Friday after Thanksgiving. This means that soon people will be flooding the malls trying to take advantage of the big Holiday sales. It is during this time of year that we like to always remind people that there is limited insurance coverage in all homeowner policies for things such as jewelry, guns, furs, coin/stamp/baseball card collections and silverware. No matter who your homeowner insurance company is they will only pay out a max of $1000 to $2500 for the items I just listed. The reason they do this is they feel these types of items are best covered under a scheduled personal articles policy. A scheduled personal articles policy allows you to specifically schedule items like rings, silverware, hunting rifles, coin collections, etc, for a certain value (based on a certified appraisal or sales receipt). If you currently have or are getting ready to purchase items such as these please call or email your Fey Insurance Services representative. They will help make sure these valuable items are best covered.