JL,
special items, especially those difficult to replace, are usually handled by your agent on a schedule, or rider of some sort.
It is mostly dependent on the carrier your independent agent has you with...that's why you do business with an independent agent instead of a "captive" agent working for one carrier: your needs change, and so your agent, when he represents many different carriers can change your coverage by moving to a different carrier that most meets your particular requirements.
Talk to your agent.