Which type of coverage is excluded by standard inland marine insurance?

Standard inland marine insurance is designed to cover a variety of risks associated with goods and property in transit over land, as well as certain liabilities related to movable property. While the policy does address coverage for goods in transit, vehicles on public roads, and fine arts and collectibles under specific circumstances, it typically excludes personal property located in the home. This exclusion stems from the fact that personal property in the home is generally covered under a homeowners insurance policy rather than inland marine insurance. Therefore, individuals looking to insure household items usually rely on their homeowners policy to manage risks related to personal property within their residence.