Home insurance policies have an endorsement available to insure some of your more valuable items. Buying separate insurance from a jeweler for an engagement or wedding ring set is an option. However, it can be costly and come with stipulations you can avoid by scheduling it instead. This is true for other items as well.
Doesn’t the personal property section of my policy already cover these items?
While your personal property does offer protection, it also comes with caps for several items. If these items are more valuable than the cap on your policy, you’ll need to schedule them for proper protection.
What items can I schedule?
How do I schedule something?
The first step is to get an appraisal of your item. Once you have documentation of the value, you can submit it to your agent for a quote. Your agent will then let you know the cost of scheduling your item at the agreed value. It’s that simple.
If you have questions, let us know. We’re here to help!