Well I have the pleasure to know some one who works for an insurance institute that will remain nameless. I primarly deal in the realm of Home Owners insurance, but there are some things that people do not know about standard Home Owners, Condo, and Renters policies. The basic contract has a covered set of perils (damages) they are usually Wind, Hail, Aircraft, Riot, Vehicle, Electrical, Smoke, Vandalism, Theft, Fire. There are some basic coverages that are not covered under a standard policy, those would be Earthquake, ID theft, Flood, Water Sewer Back-up in the home, and also about $1,500 maximum payout for the "THEFT" of jewelry. These things need to be purchased at additional costs.
keep an eye out and read your contracts people...!!!