Read your policy carefully. Insurance companies do not want to cover anything if it can get away with it. so read the fine print. If it does not say it is covered, or more specifically says it is not covered without some "rider policy" then you definitely need that rider policy.
In any case, take photos of each and every room, your clothes also, everything. Working in Emergency Operations for awhile, I've found that people don't remember the details when trying to file a claim. Too much stress at the time.
Keep receipts, and photos of everything. Your music collection, books, clothes, appliances, furniture, audio equipment, watches, collectibles, everything. You need proof that you actually had that in your home and it makes it easier on you when disaster happens so that you don't have to try to remember each and every little thing. Because when they cut you a check and you cash it. That is it. It is way harder after cashing the check to re start the conversation.
Read your policy carefully first.
enjoy