So I have a potential client who wants to be assured that his ATVS, firearms and guns are covered so I wrote him a policy that came to about $2800 with all his scheduled items. His current Farmers policy was $3200. So his Farmers agent knew he was shopping around and dropped his rate to $2050 somehow. My potential client also said that his agent told him that all those things I scheduled are covered under his Coverage C. Does this seem accurate? We are talking 15k in firearms 20k for atvs and 50k in jewelry.