Pairs and Sets Coverage
Pairs and Sets covers items that only come in pairs or sets, such as dishes, a dining table and corresponding chairs, and combined furniture – a commode with an attached mirror, for instance. In the event damage or loss occurs to one or more items in the set, compensation will be based upon the entire value of the set, and not upon the proportional value of the damaged item(s) in relation to the set, as is standard in a Gold Coverage policy.
You hire a professional moving company to move your household goods and personal effects. You purchase an Gold Coverage policy with additional Pairs and Sets Coverage.
While unpacking, you discover that a furniture piece you insured for $4,000 consisting of a mirror attached to a commode is damaged. The mirror is broken and cannot be repaired or replaced. Instead of being paid for the value of the mirror alone, you would be entitled to reimbursement of the mirror and commode for up to $4,000, less any applicable deductible you chose for your policy.
