Scheduled Personal Property

Scheduled personal property (also called a floater or rider) provides additional coverage for specific high-value items that exceed your policy's standard limits.

When You Need It:

• Engagement rings and fine jewelry
• Expensive watches
• Art and antiques
• Collectibles (coins, stamps, memorabilia)
• Musical instruments
• Cameras and photography equipment
• Firearms
• Furs

  Benefits of Scheduling:

1. Higher coverage limits for specific items 2. Coverage for accidental loss (not just theft/fire) 3. No deductible on scheduled items (typically) 4. Worldwide coverage 5. Agreed value (no depreciation)

What You'll Need:

• Appraisal for valuable items
• Photos and documentation
• Serial numbers where applicable
• Purchase receipts if available

  Cost:

Typically 1-2% of the item's value annually. A $10,000 ring might cost $100-$200/year to schedule.