Keith don't blame Hartford, those are pretty common limitations on a homeowners policy. I think you will find all of their competitors have the same conditions. The jewelry and other high value items have to be 'scheduled' in order for there to be coverage at full value. The one you may have a beef with is your insurance agent who should have explained these limits to you and made sure you had the opportunity to get the coverage you needed. You could make a claim against his/her error and ommissions policy if they failed to do that.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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