Which type of item loss typically follows the pair or set clause in a dwelling policy?

Under a dwelling policy, the pair or set clause applies to items that are part of a matched group or series, like matching silverware items. This clause acknowledges that when there is a loss to a pair or set, the insurance coverage is not restricted to just the damaged item but also addresses the overall value of the matched set.

Matching silverware items are typically insured as part of a set, and if one piece is lost or damaged, the insurance can provide compensation for the entire set’s value, considering the reduction in the overall aesthetic or functional value of the set.

Items like art pieces sold individually or collectible sports memorabilia usually do not fall under the pair or set clause since they are often valued individually. Furniture sets could potentially involve a matched set clause; however, matching silverware is a more straightforward example of items that are inherently part of a recognized pair or set, making the connection clearer and more pertinent to the specific clause in a dwelling policy.