Matching and Pair Coverage for Personal Property

Standard home insurance doesn’t always cover matching items. If part of a set (like a pair of lamps or a couch) is damaged, it may only cover the damaged piece, leaving you with mismatched furniture. Here’s how to protect pairs and sets:

• Matching Set Coverage: Some insurers offer coverage specifically for items that are part of a set or pair. This coverage allows you to replace both items if one is damaged, ensuring continuity.
• Fine Print: Be aware that “matching” coverage is not standard, so check with your insurer if it’s important for items like furniture, clothing, or jewelry.