Personal Property is the classification on our insurance policy that covers most of our stuff. We learned the hard way in July, 2009, when we were burglarized and had to make a detail listing of items stolen. We thought we were covered well, but no. I have a 1899 dresser in which they STOLE one of the drawers which had jewelry in it along with memorabilia. Trying to remember each item in that drawer was hard.....still come up with items that were there. However, of the $40,000 plus they stole, we were covered for only about $8,000 since there was a maximum for jewelry and cash without an attachment to the policy for a greater amount. Thank God they could not get into the safe. We now have surveillance cameras, videos and a nice large locking gate to our property. Contact your insurance agent and get additional coverage for your hobbies!!!! Two model engines they stole from my husbands RC flying hobby totaled over $1400. and we had replacement value coverage. He got them replaced.