Quick answer
Often yes, but only if the policy specifically includes it, standard contents coverage frequently excludes accidental breakage entirely, treating it differently from theft or fire. This matters most for categories that get handled or used, jewelry worn regularly, instruments that get played, art being moved or reframed, where an accidental drop or knock is a real and fairly ordinary risk.
We confirm accidental breakage is explicitly included when scheduling a valuable, rather than assuming it’s covered by default.