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Antique Wine Co.'s employees pose with three Melchiors and a standard size bottle of Cos D'Estournel wine at the wine merchant in London, Nov. 17, 2011. Melchior refers to one of the three wise men bearing gifts in biblical times and it is used to define the size of the bottle holding 18 liters, 24 bottles or 102 glasses. The Chateau Cos D'Estournel Melchior Collection was offered for sale for $31,637. (Photo: AP/Sang Tan)

Question. I have two questions regarding coverage for a wine collection under the ho-3 and ho-5 forms.

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