Why You Should Schedule Your Jewelry, Watches, Furs and Collections

Homeowners insurance provides essential coverage, but it often falls short when it comes to high-value items like jewelry, watches, furs and collectibles.

Standard policies typically limit coverage for these items. Scheduling these valuables ensures they receive proper protection. By adding a scheduled endorsement, or starting a separate policy, you can specify their value and receive coverage that reflects their true worth.

This means you won’t face the disappointment of underinsurance if a valuable piece goes missing or is damaged. Recent appraisals or bill of sale is usually requested to show details of item and value. Taking the time to schedule your valuables can provide peace of mind and financial security. Consult your insurance agent to ensure your prized possessions are adequately covered under your homeowners policy or give me a call and we offer stand-alone valuable personal items policies.