Question: It would cost about $ 1 0 , 0 0 0 to replace the grand piano in Gloria's home, and Gloria's insurance agent recommends she

It would cost about $

10, 000

to replace the grand piano in Gloria's home, and Gloria's insurance agent recommends she specifically insure the piano under a scheduled personal property endorsement. Gloria resists what seems to be a sales pitch and asks what coverage this would provide that her homeowners HO

3

policy does not already provide. Which of the following answers would be appropriate?

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