There are restrictions on the types of personal property as well as limits on the amounts UPC will pay for certain types of losses. Knowing how much your belongings are worth will help ensure everything you value is adequately covered.
Start by walking around your home and take an inventory of all the contents that are not permanent fixtures, including your most expensive items, and those that have increased in value since you got them. How much would all this cost to replace everything in your home if it were damaged in a loss? Talk to your agent about Scheduled Personal Property coverage and your individual replacement needs.