What contents items need to be listed or specified on my policy?
For example, if you have Classic Extras cover and you have a painting in your home that is valued at $25,000, you would need to ask us to list that painting for $25,000, and we must agree, in order for it to be covered to the value of $25,000, otherwise, in the event of a claim we will only pay up to $20,000 for that painting as shown by the limit for paintings under Classic Extras in the table above.
What is meant by collections, sets or memorabilia?
A collection is a set of objects, specimens, writing and the like, gathered together and which collectively have a special value above that of the items individually if separated.
A set is a number of things customarily used together or forming a complete assortment. Outfit, or collection such as a set of dishes.
Memorabilia are things saved or collected as souvenirs and/or for their historical interest.