This is a stainless steel fork, costs just a few dollars, and is used 3 times a day. In a few weeks, however, many Americans will get out Grandma’s actual sterling ‘silver’ ware, the kind that gets cleaned not just after it's used but before and those items on average start at $200 a piece, individually. For some that may not sound like a huge deal, but most insurance companies cap the amount they’ll pay for silverware to $2,500 or less for a complete set; that means if a set is for more than 4 people or has associated serving ware it’s likely underinsured. When I write a new home policy I print off or email the sub limits page and make my clients aware of what key items they need to consider. Ask your friend, who has a charger for every season, how many people she's hosting for Thanksgiving? If it's more than 4 she'll want to talk to me, Tommy Schlosser.