Your homeowner's policy limits the
amount yu can collect on many valuable items such as jewelry,
furs, silver and collectibles. In some cases, a loss may not be
covered at all. Make sure your valuables are properly insured.
Some companies will allow you to add a schedule of these
items right to your homeowner's policy. This is called a
"rider." Other companies will require a separate valuable items
policy. In either case, each item is separately listed with a
description and a value.