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<p>[QUOTE="GDJMSP, post: 824160, member: 112"]You can take all the photographs you want, but if a claim ever needs to be filed they won't do you one bit of good. They won't even want to look at them.</p><p><br /></p><p>They will want one thing and only one thing - receipts. And if you do not have receipts,then you had better get an approved list of acceptable apparaisers and have an itemized appraisal done. They will not accept appraisals from just anybody.</p><p><br /></p><p>And regarding bullion items, and yes ASE's, AGE's and APE's are bullion items - typically bullion coverage is limited to $1,000 - max. And they won't care if it is in a slab and graded MS/PF70 - value is determined by the bullion content alone. So that MS70 ASE you've got that you paid $1500 for - it's worth about $17 on a claim.</p><p><br /></p><p>Now don't take my word for any of this. Talk to your insurance company and ask them, ask them very specific questions about what I have said. And read, and read very carefully, your policy. For no matter what they tell you on the phone - if it doesn't say it flat out in the policy - it won't be covered.</p><p><br /></p><p>For God forbid that a claim ever needs to be filed - you don't want any surprises like those I have mentioned.[/QUOTE]</p><p><br /></p>
[QUOTE="GDJMSP, post: 824160, member: 112"]You can take all the photographs you want, but if a claim ever needs to be filed they won't do you one bit of good. They won't even want to look at them. They will want one thing and only one thing - receipts. And if you do not have receipts,then you had better get an approved list of acceptable apparaisers and have an itemized appraisal done. They will not accept appraisals from just anybody. And regarding bullion items, and yes ASE's, AGE's and APE's are bullion items - typically bullion coverage is limited to $1,000 - max. And they won't care if it is in a slab and graded MS/PF70 - value is determined by the bullion content alone. So that MS70 ASE you've got that you paid $1500 for - it's worth about $17 on a claim. Now don't take my word for any of this. Talk to your insurance company and ask them, ask them very specific questions about what I have said. And read, and read very carefully, your policy. For no matter what they tell you on the phone - if it doesn't say it flat out in the policy - it won't be covered. For God forbid that a claim ever needs to be filed - you don't want any surprises like those I have mentioned.[/QUOTE]
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