Generally a home policy will provide coverage that covers most peoples' contents, but there are certain exclusions.
High-value items may need special attention. However, if you have special high-value items (like jewellery, furs, artwork, coin collections, bicycles), you may want to purchase additional optional coverage for those items. You should consider doing an inventory of what you own. It will help establish if you have adequate limits and would be a useful record at the time of a loss. It will also help identify if you should purchase additional limits or optional covers.
Your Service Specialist can help you make sure you are covered.