To be sure.
Almost all homeowners policies have a limit on collectibles, jewelry and other specific items of just $2500 unless you have them scheduled and pay more.

I have had several policies with top rated companies and they all had a small limit on collectables.

When my house flooded years ago they had no problem giving me over $100,000 for my personal property, but my collectables like sportscards and movie posters were only covered at $2,500 when I lost 6 times that amount.

If I were you I would not take for granted what some hourly person told you over the phone, I would take a really good look at my policy just to be safe.

Doug