answer:Insurance issues concerning antiques on a basic over all plan is quite tricky and I am sorry but in most cases where you did not take the time to appraise your items and obtain insurance on individual pieces of value, let’s say you have a 200 year old vase that is worth $10,000.00 The insurance will re-pay you for the vale of 1— vase. It’s not the value of the item itself they concern themselves with but the replacement of the object as a useful, functional household piece of kitch. That’s about the best you can expect. *I am a dealer, a buyer, and an appraiser so. If you need any values give me descriptions and names and I can help you out. I deal primarily in Asian art and textiles but I can appraise anything.