Normally homeonwers insurance covers a limited amount for any of the following items...

• Coins
• Collectibles
• Contents/Mini Storage
• Fine Arts
• Furs
• Golf Carts
• Golfer's Equipment
• Guns/Firearms
• Jewelry
• Musical Instruments
• Silverware

In the event of a loss you want to make sure that you get adequate coverage for your valuable items, this is the reason why seperate insurance called "Inland Marine" is needed to cover the full value of your personal possesions. In order to quote any of the aboves item an appraisal is needed , no longer than 12 months old.