Insuring a sex doll typically falls under personal property coverage, but there are practical steps to ensure you’re protected adequately. Start with your homeowner’s or renter’s policy; many standard plans cover personal belongings, but high-value dolls may need additional riders or endorsements to avoid depreciation in a total loss.
Consider a dedicated personal property rider for high-value dolls. This can provide replacement cost coverage rather than actual cash value, helping you replace the item at today’s market price. When shopping for coverage, look for policies that include theft, accidental damage, and water damage, as well as loss due to misplacement. Check for exclusions and ensure there are no gaps for accessories or accompanying features like lighting or motion components.
Documentation helps claims go smoothly. Create a detailed inventory with serial numbers, purchase receipts, photos from multiple angles, and appraisals if applicable. Maintain up-to-date appraisals for very high-value items. If you transport the doll, review coverage for transit and temporary use away from home. Some insurers offer umbrella liability coverage that can extend beyond your home to cover third-party incidents related to use or display.
Shop around for quotes and compare limits, deductibles, and claim processes. Ask about how valuations are determined and whether improvements or modifications to the doll affect coverage. With clear documentation and appropriate riders, you can protect your property while keeping premiums reasonable.