^^ Same here - bags are like clothes, and my personal property is all part of the home insurance policy.
The only thing I needed to get a separate rider on was jewelry. The base policy only covered $6K, which just covers my watches! We didn't bother getting extra coverage for my jewelry until I got my e-ring and wedding band... I totally recommend the jewelry rider - they're considered high risk since they're so small, you wear them daily and stones could fall out, you leave in a bathroom sink, etc...
Bags aren't like that and should be under your house policy. You might need to increase the amount, that's all.
The only thing I needed to get a separate rider on was jewelry. The base policy only covered $6K, which just covers my watches! We didn't bother getting extra coverage for my jewelry until I got my e-ring and wedding band... I totally recommend the jewelry rider - they're considered high risk since they're so small, you wear them daily and stones could fall out, you leave in a bathroom sink, etc...
Bags aren't like that and should be under your house policy. You might need to increase the amount, that's all.