A typical homeowners policy provides coverage for your personal property, including jewelry, musical instruments, and sporting equipment, such as golf clubs and bicycles. However, did you know that the amount of coverage you have is relative to the value of your home, and that it is often insufficient to cover a total loss of higher valued items? If you have a higher-end prized possession, such as a professional mountain bike, family heirloom, or a wedding ring, you may want to consider protecting these assets with an inland marine policy.