Insuring valuable items

If you own valuable items or collections, you may want to schedule those items in your homeowner policy. When items are "scheduled," they are listed in your policy with separate, often broader, coverage.

If an item is included in a class of valuables included in your policy, a limit of coverage may apply for that class. If the value of the item is higher than the class limit, you may want to schedule that item. Often there is a lower or no deductible on scheduled items.

High Value Items to Schedule

• Jewelry
• Cameras
• Musical instruments
• Golf clubs
• Fine Art
• Furs
• Silverware
• Rare coins
• Postage stamps
• Collections

This list provides examples of items you may want to schedule in your insurance policy. For these and other valuable items you may own, talk with your insurance agent about your individual insurance needs.