Are fine arts, such as collectible dolls or artwork, covered?
Most basic Renters policies will cover fine arts as personal property, subject to the basic perils and deductible on your policy. If you own fine arts, you may want to consider adding an endorsement to your policy providing specific “all risk” coverage on scheduled items for an additional premium. For example, if you have a porcelain doll that is accidentally broken, your basic policy would not provide coverage, because breakage is not a named peril. If you have added a fine arts endorsement (including breakage), the doll would be covered.
