Kentucky Subscriber

Under the HO 00 03 personal property is named perils, and there is no named peril for clumsiness or dropping objects. Under the HO 00 05, coverage is open perils except that under coverage C breakage of eyeglasses, glassware, statuary, porcelains and similar fragile articles are not covered except for certain named perils. Glassware is defined by Merriam Webster as articles made out of glass, so the bottle of wine would fall into this category. Again, clumsiness or just dropping of a bottle of wine is not a named peril. If the insured wants his wine collection insured, best to talk to underwriting and see if they'll allow it to be scheduled.