Scheduling Under Homeowners

SCHEDULING ITEMS UNDER YOUR HOMEOWNERS INSURANCE

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)
firearms
furs
golfer's equipment
jewelry
musical instruments
personal computers
stamps (rare and current)
silverware
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.

Contact

LECHNER & STAUFFER, INC.
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
Email: info@nulllechnerstauffer.com

Site Translator


Recent Posts

Prepare Yourself for IRS Phone Scams Your phone rings. When you check, the caller ID shows it’s the IRS calling. (Three letters that can give you a sinking feeling in the [...more]
VIEW THIS POST → It’s Tax Season. It’s Also IRS Phone Scam Season.

The warm days and cool nights of autumn will soon arrive along with those beautiful leaves that we all enjoy so much. As majestic as those trees look while the [...more]
VIEW THIS POST → Burn, Rake, or Mow? A Seasonal Question?

It's dark, and the sidewalks are full of young kids walking up to every house on the block and declaring, “trick or treat!” — all while wearing masks. Sounds like [...more]
VIEW THIS POST → Keep Your Trick or Treaters Safe This Halloween

With football season already upon us, can winter heating season be far behind? Whether you are maintaining a home heating system or equipment at your business, preventive maintenance is important, [...more]
VIEW THIS POST → Heating Systems Need Preseason Maintenance & Inspection

Do you have a young adult attending college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning [...more]
VIEW THIS POST → Protect Your College Student’s Possessions

Post Archives


Subscribe For Updates

Don't Miss It: Signup for our e-list and we'll automatically send you occasional updates about new items posted to our site.

When signing up you will initially receive a confirmation email requiring your approval to complete the registration. Our strict privacy policy keeps your email address 100% safe & secure.