[ultimate_heading main_heading=”Most homeowners insurance policies limit the amount of coverage,” sub_heading_color=”#045a97″ main_heading_style=”font-weight:bold;” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” main_heading_font_size=”desktop:21px;”]for specific items of your personal property like jewelry, antiques, fine arts, musical equipment, firearms and collectibles. Losses to these items are also subject to a policy deductible. One way to protect your valuables for full replacement value is through “scheduling” them onto your homeowner policy.[/ultimate_heading]
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A Scheduled Personal Property Endorsement provides coverage for your valuable items at their current replacement value for an affordable additional premium. The amount of coverage is usually determined by a current appraisal, typically no more than two to three years old, or receipts for newly purchased items.

For jewelry, a certified gemologist or reputable jeweler can provide you an appraisal for a fee. They will prepare a detailed description of your jewelry indicating quality, size, photos and estimated replacement cost.

[ultimate_heading main_heading=”WHY SHOULD YOU CONSIDER SCHEDULING YOUR VALUABLES” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading”][/ultimate_heading]

Your homeowners or renters policy provides only limited coverage for lost or damaged high value property.

Personal property schedules are a great option and remove the financial burden of having them replaced.

The loss settlement is the amount that you scheduled the item for.

The scheduled item may not be subject to a policy deductible (may have smaller one or no deductible).

The policy covers all risks, including mysterious disappearance.

Call us for a quote or questions regarding Jewelry and Valuables Insurance at +1 713 369 0997

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