I was told by my Allstate agent that if I want it covered by my homeowners
policy any claims will be paid as depreciated value; not replacement value.
He recommended a separate policy ("rider") at replacement value. Much like
you may do with a expensive gun collection.
I don't recall discussing the issue of ' attached' to dwelling or
'separate'. By a rider, I am sure that is a non-issue.
Mike, K5UO
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