All homeowner’s insurance policies have exclusions and limits related to valuable contents. If you have items such as valuable firearms, jewelry or silverware of collectable value, you should make a point to have valuations done and discuss your options with your Independent insurance agent.
Don’t just skim over your insurance policy and assume what’s written in the policy. That can be a recipe for the very worst sort of surprise. Take the time to get all your questions answered thoroughly before you purchase your homeowners’ insurance.