For example, I paid for replacement cost on my doll collection with a moving company. The moving company damaged and stole five of my dolls. Know what you are signing and don't be afraid of questions. There are many scams out there. Make sure any insurance company is licensed to do business in the state that you live in.
All states have a commissioner of insurance.
The commissioner of insurance is where insurance complaints are directed to. In each state, they have varying levels of enforceability. Be leery of an appraiser who will give a definite appraisal from a photograph or verbal description. Accurate appraisals need to be done in person. Appraisers do charge for their time.