I am an auto claims Appraiser for AAA, I do vehicle claims but know about policies, you have a certain amount per policy to cover what is lost, say you have 300k for dwelling which is to rebuild your house, 100k for items in the house clothes, furniture pinballs etc, you will only get your maximum amount of 100k regardless of what you have, I have 24 pins and dont have any special insurance for them, but the way pin prices have been going up i may have to up my household items limit, same for cars, but its a home policy