Are there any items in my home not covered by my homeowner policy?

Most items are covered for loss or damage as a result of specified perils or subject to stated limits. Take jewelry, for example. In the case of a jewelry theft, in most instances, the company will reimburse you up to $1,500. However, loss or damage resulting from losing a bracelet or dropping a vase, for example, would not be covered unless that item was specifically insured, also known as scheduled. There are also limits on such things as money, securities, watercraft, trailers, furs and guns. Please check your policy for the specific coverage limits. Please contact your agent if you have any questions.