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<p>[QUOTE=&quot;Daggarjon, post: 353214, member: 4230&quot;]i have insurance through my homeowners policy. I talked with my agent, and i have a clause in my poilcy that allows for collections up to a percentage of the value of my home. So, untill my collection passes that mark, if anything happens i am covered. And at no additional cost. now if my collection passes what that clasue covers, then i would have to buy coverage for the whole part, not just the value thats above and beyond what the clause covers.[/QUOTE]</p><p><br /></p>

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