Damage caused by the insured during a heated argument.
Losses brought on intentionally by the insured are not covered. Because of different exclusions and limits on homeowner coverage, expensive personal property frequently needs more coverage than what is offered by an insured's homeowner policy.
This is why personal articles floaters are utilized to insure such items. Fine arts can be insured with the personal articles floater. Private collections of fine arts may contain paintings, antique furniture, rare books, glassware, trinkets, and manuscripts.
Fine arts are covered on a valued basis, which means that in the event of a loss, the reimbursement would be for the amount of insurance specified in the schedule for that specific piece.
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