The only way to obtain broader coverage, no matter what the circumstance of the loss, is to schedule the item in your homeowner policy. Schedule means you specifically describe and insure the item. You will pay an additional amount of premium for the scheduled item depending upon the amount it is insured, and you will be covered, in most instances, when any loss occurs. Items that are typically scheduled are jewelry, furs, art objects, silver, antiques, coin and stamp collections, and photographic equipment.

You are already covered for a loss caused by nuclear hazard under insurance policies issued to the owners and operators of nuclear facilities, self-insurance maintained by them and an indemnification obligation on the part of the United States Government. This mechanism was worked out in a law known as the Price-Anderson Act, passed by Congress in 1957. The insurance industry and Congress concluded that this is the best way to insure against nuclear hazard.

It depends upon the circumstances. A recreational motor vehicle is a golf cart, snowmobile, or other motorized land vehicle designed for use off public roads and not subject to motor vehicle registration. Except in the case of a golf cart, you have liability protection as long as the bodily injury or property damage occurs on the insured premises. You have liability protection for your golf cart only while it is used for golfing purposes.