That's what it is through State Farm too. Homeowners gives $2500 in coverage and if you add a rider, it goes to 2500/5000 ($2500 limit on a single item, $5000 total limit). Then you have to get a Personal Articles Policy and schedule them individually. Their premiums are more expensive than the other companies listed in this thread though.Talked to my guy with Shelter.
I currently have $5000 in additional coverage specific to firearms. He said that's all they can do, unless I want to essentially schedule them individually with pics, serials, etc.
I think I'm gonna look elsewhere for those.