I have had quite a few different questions recently on homeowners insurance coverage. Many policies have internal limits for valuable items such as:
Jewelry
Electronics/ Computers
Art Work
Silverware
Money
Golf Equipment
Trailers
Memorabilia
There are most likely many other items that offer coverage on your policy, but may be limited to a certain dollar amount and also subject to your deductible.
A Simple way to cover these limitations and offer broader, more comprehensive perils, is to “schedule” the items on your policy. It may cost a little bit of extra premium, but it will ensure that you are properly covered in the even that some of your most important possessions go missing or stolen.