Ya, know thanks for this thread Lola, cause as my collection has been growing, I've been thinking the same thing, house insurance, loss, ... god forbid, fire.... but, I think I'm going to contact insurance company... have lots of jewelry too, and definately need a rider... good idea to keep all the LV receipts in a safety deposit box, thankfully, I have all my LV receipts, since I've been making up for lost time....