i have, previously, recommended to add a Fine Arts Rider to your homeowner's policy. This seems to have been very cost effective for me. Over the past few years, my declared value of about $80,000cost me about $100 without any appraisals. Recently, when I sought to increase my coverage to about $120,000, I was asked to provide a Schedule. I have just been informed by the carrier that they will not insure any poster exceeding $2500 except if I make a special endorsement and pay a fee per such item of about $50/75 each. Therefore, since I have about 12 posters in excess of $2500, my rate will escalate to about $600. I am not happy with this............ I am thinking of capping any claim to $2500. I am not concerned about any event except a fire. Thoughts?? michael
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