Most homeowner, condo and renter insurance policies limit the amount of coverage for especially valuable items of personal property including jewelry, antiques, fine art, musical equipment, firearms and collectibles.
Loss or damage to these items is also subject to your policy’s deductible, which could be substantial. You can protect your valuables for full replacement value by asking your agent to “schedule” them on your homeowner, condo or renter policy with a “scheduled personal property endorsement”.
Call us for a quote or questions regarding Jewelry and Valuables Insurance at 713-369-0997
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WHY SHOULD YOU CONSIDER SCHEDULING YOUR VALUABLES?
- Your homeowner, condo or renter policy provides only limited coverage for lost or damaged high value property.
- If a scheduled item is lost, it may not be subject to your policy’s deductible or may have a smaller deductible.
- The policy covers all risks, including mysterious disappearance.
- If you file a claim, your settlement is the amount for which you scheduled the item.
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WHAT’S INCLUDED IN JEWELRY AND VALUABLES INSURANCE?
A scheduled personal property endorsement provides coverage for your valuable items at their current replacement value–for an additional premium. The amount of coverage is usually determined by a recent appraisal or a receipt for a newly purchased item.
For jewelry, a certified gemologist or reputable jeweler can provide an appraisal for a fee. They will prepare a detailed written description of your jewelry including estimated replacement cost.
