Most homeowners insurance companies have limits on the amount of coverage that’s provided for jewelry, watches, furs, artworks, and tools. To make sure these high-value items are fully insured, you’ll want to provide your insurance company with an appraisal so the full value can be scheduled on the policy.
Is there anything in or on my property that isn't fully covered by home insurance?
Answered by Home Insurance, Car Insurance Expert Alexah on March 1, 2021My wife and I are trying to determine how much insurance we need for our home and belongings. What are some things that aren't fully covered?

Alexah
Home Insurance, Car Insurance Expert
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