The Importance of Scheduled Personal Property

Personal property coverage is an important part of any homeowners policy.  However, even the most responsible homeowner may be unaware of gaps in their personal property coverage.  For this reason, it is wise to closely examine your current policy to better understand how your personal property is categorized and what it is protected against.

What is scheduling?

Scheduling personal property is the process of specifically listing valuables and their dollar amount on your homeowners policy.  While every homeowners policy provides coverage for personal property, there are often sub-limits on each category of personal property.  For example, a homeowners policy with $70,000 in personal property coverage may only provide $2,000 in coverage for electronics.

What types of items are typically scheduled?

Typically, high-value items are scheduled on to a homeowners policy.  This would include jewelry, antiques, fine art, firearms, furs, and so forth.  In order to make sure you are adequately covered but not buying more coverage than you need, it is important to have your valuables appraised regularly. 

What are the benefits of scheduling?

Scheduling valuables on your homeowners policy provides broader protection and often eliminates the deductible in the event of a loss.  The personal property coverage included in your homeowners policy provides a solid baseline of protection for your valuables. However, scheduled items are covered for additional risks such as accidental loss (dropping your jewelry down the drain) and mysterious disappearance (your art work is stolen).

How much does scheduling cost?

Scheduling personal property is relatively inexpensive.  Typically, a scheduled personal property item will add about $10 in premium per year for every $1,000 in value.  This can be a priceless investment in the event of a loss.

How do I know what to schedule?

Every homeowners policy is different, so it is a good idea to speak with your local, independent insurance broker about what is best for you.  One insurance company may provide competitively priced coverage for firearms while another provides competitively priced coverage for antiques. Every insurance company is different, so speaking with a broker will allow you to best determine which provider makes the most sense for your valuables.


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