Technically, speaking your personal property is insured through your...

Technically, speaking your personal property is insured through your homeowners policy, no matter where it’s located, right? … so… if you have a 2nd home that’s uninsurable due to excessive debris in the yard, wouldn’t that debris in your yard count as personal property? I have a client who has an inherited a hoarder house and he thinks all of these antique treasures are valuable and he wants to make sure that they are insured. vaca