Why do I need to purchase separate coverage for jewelry (fine art, silverware, firearms, furs, etc.) when I have contents coverage?
These are just a few of the valuables that could be scheduled separately under a homeowners policy. By scheduling these types of personal property, there is no deductible and your coverage is all peril (unless otherwise excluded) instead of named peril coverage. This coverage is definitely worthwhile and not very costly. Discuss your options with your agent for your best protection.
