Are my jewelry, fine art, guns, computer or silverware covered?
Most policies provide limited coverage for these items. To provide the best coverage for these items they should be “Scheduled” on your homeowners policy. There is an additional charge for scheduling these items. When you do schedule an item the deductible is typically eliminated. To schedule an item a current appraisal or sale invoice is required.
For example, if you notice one day that the diamond on your ring is chipped or lost, the loss will be fully covered without deductible. Coverage is limited to the value stated on the policy.