Coverage limits
A — Dwelling (main residence)
$22,000,000
B — Other Structures (guest house, boathouse, garages)
$6,500,000
C — Contents / Personal Property (excludes scheduled fine art)
$8,000,000
D — Loss of Use (additional living expense)
$4,400,000
E — Personal Liability (each occurrence)
$2,000,000
F — Medical Payments (each person)
$25,000
All-perils deductible $100,000 · wind/hail deductible 2% of Coverage A. Coverage C excludes
scheduled fine art, insured under the separate Fine Art & Collections Floater (Ardent Specialty,
ASF-FA-••••9902).
Flags — for review only
Renewal window Renews 42 days
Renews 2026-09-01 — 42 days out as of 2026-07-21 (inside the 60-day window through 2026-09-19).
Value drift No appraisal on file
This policy insures the buildings, which have no appraisal in the Collection Inventory
Register — so no drift comparison is made. Not a gap; simply nothing to compare against.