Don't know how it is in the rest of the world, but here in southern Ontario Canada,

the basic Home/House Insurance policy includes a set amount for general "personal property" loss and you can pretty well claim anything lost up to that amount.

(I know because I have received the full amount twice after two flood incidents in the house)

If you want increased coverage (again for any personal property(non-specific)) you can pay for more.

If the basic amount wasn't enough, and you want to acquire additional coverage for anything specific,

you would need to get an appraisal and then pay for the additional coverage.

Almost like a separate insurance policy, and that would be the only thing you need to keep separate and detailed records for.