Does home insurance cover expensive perfume?

"I own several bottles of expensive perfume. They range in price from over $100 to almost $300. Will my home insurance cover my perfume?

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Answer provided by
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Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“There are different levels of coverage for personal property. You would want to review your policy to see if your perfumes have a separate sub-limit (a maximum amount payable, usually for jewelry or other high-value items). There is likely a deductible as well.
It may be possible to cover the perfume collection separately as scheduled (specifically listed) personal property, depending on the insurance company. It may come down to whether the insurer considers the perfume to be a consumable (something that gets used up) or a collection. “
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