What Can an Insured Do Under a Homeowners Policy to Provide

What can an insured do under a homeowners policy to provide insurance coverage for specific valuable items,such as a rare and valuable painting?

A) Nothing in particular; it will be covered within the overall policy limits,but that might leave less coverage for other items.
B) Execute an appurtenant structure substitution agreement in which the coverage for the rare item will take the place of coverage for appurtenant structures.
C) Add a personal effects floater to the policy covering the artwork.
D) Add the standard artwork addendum to the policy.
E) Obtain an independent appraisal and submit it to the insurer.