On the one hand, obviously the bank was incompetent. But shame on the guy in the article for not having his items insured. This is a pretty standard rider in mo

On the one hand, obviously the bank was incompetent. But shame on the guy in the article for not having his items insured. This is a pretty standard rider in most home owner’s insurance policies (or an easy separate policy). Typically the policy is incredibly cheap if the items are stored in a safe deposit box, and if you take them out you call the insurance company and tell them that, the items remain insured but at a higher daily rate, and you call the insurance company and tell them when the items go back in the box, and the rate goes back to the low rate.