Scheduling Under Homeowners


Perhaps it's the latest electronic gadget or large screen hi-def television, or new sporting goods gear or maybe a piece of sparkling jewelry. If you happen to receive or purchase a particularly expensive item, you may consider purchasing extra protection, just in case.

Why would I need to schedule valuable items?

The protection provided for personal property under the typical homeowners, condo or renters policy is very broad, and includes coverage for your furniture, clothing, and appliances. It only provides limited coverage for valuable items such as jewelry, silverware, furs, and art. It may not cover some types of loss that may be important to you, such as the stone falling out of your diamond ring, your china being accidentally broken or your rare coins being stolen.

What types of property can be covered?

Here's a quick listing of some of the items typically covered:

cameras (video or still) and related equipment
china and crystal
coins (rare and current)
golfer's equipment
musical instruments
personal computers
stamps (rare and current)
works of fine art, including paintings, etchings, pictures and other bona fide works of art (such as oriental rugs, statuary, rare books, manuscripts and bric-a-brac) of rarity, historical value or artistic merit.

If you own something of value that is not listed above, it may still be eligible for coverage.

How to Schedule Personal Property

The process for scheduling valuable personal property differs from one insurance company to another. The insurance company keeps copies of appraisals or recent receipts for the items on file. The dollar amount of the value of the items added determines the price of scheduled property insurance.

Scheduling items allows you to purchase better protection for your special property than would be available under the typical homeowners policy. In addition to being able to purchase higher limits of coverage, more perils are covered.


589 Main Street
Pennsburg, PA 18073-0026

Office Hours: M-F 8am-5pm
Tel: 215-679-9568
Toll Free: 800-227-3907
Fax: 215-679-4348

Site Translator

Recent Posts

Halloween is an exciting time of year for kids, and to help ensure they have a safe holiday, here are some tips from the American Academy of Pediatrics (AAP). All Dressed [...more]
VIEW THIS POST → Halloween Safety Tips

7 Tips for Fall Fun Safety There's perhaps nothing that more embodies fall than heading down to the local pumpkin patch. You can pick out the perfect gourd for carving, [...more]
VIEW THIS POST → Stay Safe On That Hayride

A personal umbrella policy is sometimes misunderstood.. That's unfortunate because the personal umbrella is an insurance “best buy”. It is inexpensive and does its job well. Let's take a look [...more]
VIEW THIS POST → Personal Umbrella – The Ultimate Best Buy

As insurance costs rise, more individuals, families and businesses are looking at using higher deductibles. Choosing the right insurance deductible is important and it does take some thought. There are advantages [...more]
VIEW THIS POST → Pros and Cons of Higher Deductibles for Auto, Home and Business Insurance

There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink [...more]
VIEW THIS POST → Auto Insurance State Minimums Probably Aren’t Near Enough