Originally Posted by
xiaoman1
I am sorry to see this happen. Accidents like this should make us more aware of what are insurance will and will not cover...some insurance companies want a separate policy to cover collectibles.
Best, Ben
It can be considerably more complicated than just a collectible issue. If the insurance company decides you had a business in the building there might not be any coverage for any of it. The policy is very specific about what you do in a garage. Call the agent up and ask to read the policy language. It's an eye opener if you've never done it before.