Schedule High-Value Items
Extra protection for jewelry, art, collectibles, and other valuable possessions beyond standard policy limits.
What is Scheduled Personal Property?
Scheduled personal property (also called a floater or endorsement) provides additional coverage for valuable items that exceed standard policy limits. It covers items for their full appraised value with no deductible.
Why schedule items? Standard policies limit coverage for jewelry ($1,500-$2,500), art, collectibles, and other valuables. Scheduling ensures full replacement value.
Items Commonly Scheduled
Jewelry
Engagement rings, watches, necklaces
Fine Art
Paintings, sculptures, prints
Musical Instruments
Violins, guitars, pianos
Collectibles
Coins, stamps, antiques
Cameras & Equipment
Professional photography gear
Furs & Designer Items
Luxury clothing and accessories
Benefits of Scheduling
No Deductible
Claims are paid in full without applying your policy deductible.
Broader Coverage
Covers mysterious disappearance and accidental loss (not just named perils).
Worldwide Protection
Items are covered anywhere in the world, not just at home.
Agreed Value
You and the insurer agree on the item's value upfront—no depreciation.
How to Schedule Items
- 1
Get an Appraisal
Have valuable items professionally appraised by a certified appraiser.
- 2
Submit to Insurer
Provide appraisal documentation, photos, and receipts to your insurance company.
- 3
Pay Premium
Pay additional premium (typically $10-$20 per $1,000 of coverage annually).
Average Cost
Annual Premium
$10-20 per $1,000
Example: $5,000 ring = $50-$100/year
What coverage level do you need?
Choose the protection that matches your requirements