Hi Ron
Underwriters determine risk. Claim Reps determine coverage. They need to talk with the claims department to determine coverage. Now if covered how is it covered? Face value ( a $5 chip ) or actual cash value (the book value of the chip). Most people don't ask these questions until they have a claim hence the response that Jim gave. Buying policies online in most instances cannot provide the full explanation of what is covered and what is excluded. Policies are changing every day. Coverages afforded today may not be afforded tomorrow . An agent who represents only one company may have a few different policies on the books affording different coverages. There is more turnover in agents today. Get it in writing... and sleep at night.
Rich Figarotta R-1593