Is Your Collection Insured?

I guess I need to look into changing my insurance; prices around here seem standard at over 600 a year. I should get a rider but for coins, if you have a list and proof of ownership, I thinnk they have to pay you for it without a rider. HOWEVER, I am not positive of it. I know with my main collection (autographs) this is very much more a subjective area. For example, they will only reimburse I had been told by other graph collectors, what you paid for the item (if you have proof that didn't get lost too) or the value ONLY of the photo/poster/ball or whatever is covered. NOT the signature. They don't value "handwriting" just like they don't cover the memories of family photos. They will reimburse you for the cost of the film only. I will have to confirm all this. My question (from another thread) though is:

Can you get ONE all emcompassing rider for art/antiques/coins/collectibles? Or is each area unto it's own. If that latter is the case, I'll never be able to afford it!