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Normal
The standard policy cost to insure your home and contents includes $50k of coverage for sports memorabilia that would be subject to the deductible (no additional cost). If you want more than that coverage, you have to schedule the increase amount at an additional cost (and no deductible is applied). You also get better coverage with the schedule items (ie for cards not at home etc). Personally, I started with the base policy coverage and I'm still deciding if I want to pay the extra funds for more coverage so that a larger portion of my collection is protected
