Broken Wine Bottle

March 6, 2017

Questions regarding coverage for a wine collection under the ho-3 and ho-5 forms.
• What coverage would apply on the unendorsed home policy if I dropped my $10K bottle of wine on the floor and it smashed into a thousand pieces?
• Would the answer differ if HO-15 – Special Personal Property Coverage endorsement was on the policy? (I.e. same as the HO-5 policy)?

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