no need, coverage C of the policy is for unscheduled personal property and is a percentage of coverage A, which is your dwelling. it's a pretty big number. however, take photos, scan your receipts into computer and paper receipts in a fire box. if you have replacement cost coverage on personal property it's insured for fire and theft and your insurer will pay to replace your items. they typically pay on each item on a depreciated basis and when you prove you replaced then they provide the "holdback" money that is the difference with full replacement cost.
