Bob D’Amore, President of D’Amore Adjusters, highlights that many Liberty Mutual homeowner policies now include a restrictive endorsement limiting recovery to a maximum of $2,500 for personal property such as trading cards, comic books, figurines, and other collectibles. This endorsement supersedes the policy’s standard language, including even “deluxe” policies. D’Amore recommends checking your policy for this endorsement and considering changing insurance companies if it applies, as no other company has such restrictive coverage. You can still switch companies mid-policy period and receive a prorated refund.
