If not, you can add it by endorsement. The cost is small, the protection valuable. Without it, contents coverage is depreciated by the age and wear and tear of the items lost. If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection.
Supplemental protection is available for a small additional premium.
Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything you lost if the time comes when you have to make a claim. It will also help ensure you don't forget some items. Your agent can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room, with descriptive information on the sound track. Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks.