Typically, a homeowner policy does not provide the level of coverage you may need for fine arts, jewelry, furs, silverware, or collectibles. You may need to schedule them separately to adequately protect them. For example:

• The value of an item may exceed the limits covered by the policy.
• A deductible may limit your recovery amount.
• The cause of loss may not be covered by your policy. In some cases, theft coverage is limited, and breakage and lost items are not covered.

More importantly, your policy should provide the greatest benefit of insurance--peace of mind. You could have that security by protecting your valuable possessions.