What can an insured do under a homeowners policy to provide insurance coverage for specific

valuable items, such as a rare and valuable painting?

A) Add a personal effects floater to the policy covering the artwork
B) Add the standard artwork addendum to the policy
C) Obtain an independent appraisal and submit it to the insurer
D) Nothing in particular; it will be covered within the overall policy limits, but that might
leave less coverage for other items
E) Execute an appurtenant structure substitution agreement in which the coverage for the
rare item will take the place of coverage for appurtenant structures


A

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