What do your grandma’s engagement ring, Mickey Mantle’s rookie baseball card and the painting your wealthy uncle bought at a Christie’s auction have in common? They’re all rare and valuable, and that means they need to be insured.

Homeowners and renters insurance cover your personal property. But even if your policy’s overall limit covers everything you own, it might have sublimits that don’t fully cover specific, high-value items. 

So what should you do?