Blanket coverage
Blanket coverage applies a single limit across a category or across multiple structures or locations, and a loss can draw from the whole shared limit rather than a per-item cap. Standard Coverage C personal property is effectively blanket: your belongings share one contents limit rather than each item being separately valued. Blanket coverage is flexible and simple, but it carries built-in sublimits, so high-value items are capped at the per-category figure no matter how large the overall limit is.
Scheduled coverage
Scheduled coverage lists specific items individually, each with its own stated value, usually added by endorsement. Homeowners schedule jewelry, watches, fine art, firearms, cameras, and collectibles precisely because those categories hit low blanket sublimits. Scheduled items are typically covered for their listed value, often on a broader open-peril basis and frequently with no deductible, and the appraisal or receipt used to schedule them sets the payout. The tradeoff is that you must identify and value each item in advance.
Which to use in Florida
For everyday belongings, the blanket Coverage C limit is normally sufficient. For anything whose value clearly exceeds a category sublimit, scheduling is the reliable way to protect it, because a blanket claim will otherwise be capped regardless of proof. Keep current appraisals for scheduled items and update them as values change, since the scheduled value drives what the carrier pays.