Direct answer
No, standard homeowners policies typically have low sub-limits for high-value items, meaning you would likely be underinsured in the event of a total loss. You generally need a scheduled personal property endorsement or a specialized standalone policy to fully protect the appraised value of your art.
Standard homeowners insurance policy form definitions regarding personal property sub-limits. For additional information about how coverage limits apply to high-value items, see the Insurance Information Institute’s guide on homeowners insurance.
What this means for you
No, standard homeowners policies typically have low sub-limits for high-value items, meaning you would likely be underinsured in the event of a total loss. You generally need a scheduled personal property endorsement or a specialized standalone policy to fully protect the appraised value of your art.
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