From Insurance for Dummies by Jack Hungelmann

The Homeowners policy does a pretty good job of protecting stationary personal property when it’s contained safely within the walls of your home. The most common causes-of-loss - fire, wind, vandalism, and theft - are covered even under the most basic of policies. But the Homeowners coverage falls short when it comes to certain types of belongings that you carry with you, such as cameras, jewelry, musical instruments, guns, and furs.