That's what swayed me as well.
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So I dropped the insurance on my wife's ring and switched it to Jeweler's Mutual. When my gun stuff policy is up in January, I am switching to Collectibles. The guy I talked to in October called me this week, made a few tweaks and answered a few more questions.
I don't like having two rider policies separate from my homeowners, but these are better policies for less $.
I'm also in the process of doing a video survey of every room in the house for documentation purposes. Last one was like 10 years ago, stuff has changed.