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Glass Insurance Reaserch from Blog friend Tony P.


Hi Hillary,



After reading your blog concerning insurance, I called my Insurance Agent (Geico providing Homeowner’s Insurance through Liberty Mutual).

I fully expected to be told that I needed an extra-cost rider or endorsement or something like that.


But after (I kid you not) a half hour, and multiple times on hold while they consulted multiple experts at Liberty Mutual,

I was told in fact that there is no limit in my Coverage C – Personal Property – Special Limits of Liability, for a glass collection

There are limits of other things (securities, watercraft, trailers, jewelry, watches, furs, precious stones, silverware, etc), but NOT for a glass collection.
As you know, my hobby is hot glass glassblowing, and until I got your email I had never actually counted all my pieces, but I have made over 300 pieces of glass which are in multiple curio cabinets etc throughout my house.



Two additional points:

1. Glassblowing is strictly a hobby for me, not a business, if someone were in the business of collecting/selling glass, other insurance would be required.

2. If (heaven forbid) there were a loss, a claims adjuster might reach some other conclusion (given the prevailing wisdom that there is some limit), but it would not seem to be supported by the contractual language in the policy.


Each person’s situation and contract/policy may be different, but this is the conclusion I was able to reach, thanks for raising this insurance question in your blog.