Protecting your treasures is where we find “great value”. Many people think that their items are automatically covered under a homeowner’s policy. This is not necessarily true. There are limitations and exclusions unless you have your property insured under a Personal Articles Floater or Blanket Coverage. This specialized coverage will allow you to recover the value of an item on an agreed amount basis. The policy will show the description of the item and list the item’s value, based upon a recent appraisal or bill of sale.