Insuring your models?

[cdm]

I was always under the assumption (as told by agents when i used them) that anything you disclose falls under the HO policy. If not disclosed and added, it isn't really covered. Guns et al are covered if written in as they use those extras to sometimes give you a higher rate. If one had a toolshed full of expensive toys then certainly it would make sense. If you have or two spread around the house, not sure it would be worth the bother.

Remember, these are just toys to folks. You can bet any adjuster will have a heart attack covering a scaleart model for example. instadenied.