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Scheduled Personal Property Insurance for Fine Arts, Jewelry, Furs, Collectible and More

Only 16% of consumers schedule valuable property for insurance purposes

Scheduling personal property provides several advantages above and beyond the insurance protection afforded in a standard homeowner policy. But before highlighting a few of those benefits, it's important to consider who scheduled personal property insurance is for. Even though fewer than 20% of consumers take advantage of scheduling valuable personal property such as jewelry, fine arts, guns, musical instruments or collectibles, almost all of us have some kind of valuable property that really should be scheduled.

Replacement value is established before a claim

It's easy to determine a replacement value for a refrigerator or couch, but not so easy to place a dollar value on that figurine that was handed down from your grandmother. At claim time, that can be a real problem that most likely won't be solved to your satisfaction. Scheduling important property avoids valuation issues at claim time.

More types of loss are covered when you schedule valuable items

Schedule property enjoys some of the broadest insurance coverage available, including "mysterious disappearance". If a ring or necklace suddenly turns up missing, and you can't positively identify the cause of the loss, the jewelry item would be replaced or you would be reimbursed...if you had scheduled the item.

Limitations on claim payments for valuable property are removed for schedule property insurance

Most standard homeowner policies include internal limits for claim payment on individual items like $1,000 for theft of jewelry. Scheduling your valuable property means these limitations do not apply.

How to get property on an insurance schedule

In most cases, scheduled property insurance is "endorsed" onto your homeowner policy. All you need is a recent receipt or a qualified appraisal. The extra insurance premium is small; premiums for valuable property insurance will vary depending on the type of property and the total value insured, but for a rule of thumb, costs are generally in the $1 to $2 range for every $100 of insurance coverage.

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