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Valuables & Jewelry Insurance
Standard homeowners policies cap coverage for jewelry, art, and collectibles — often far below their actual value. Scheduled personal property coverage fills that gap.
Most homeowners policies limit jewelry coverage to $1,500–$2,500 per occurrence. If you own an engagement ring, a watch collection, artwork, or other high-value items, that sublimit leaves significant exposure. Scheduled personal property coverage — also called a personal articles floater — covers your specific items at their appraised value with broader protection than a standard homeowners policy provides.
Items We Can Schedule
- ✓Jewelry — engagement rings, watches, necklaces, earrings, and fine jewelry collections
- ✓Fine art, sculptures, and collectibles
- ✓Cameras, photography equipment, and electronics
- ✓Musical instruments
- ✓Furs and high-value clothing
- ✓Sports equipment — golf clubs, bicycles, and specialty gear
- ✓Coin and stamp collections
Why Scheduled Coverage is Better
- ✓Items are covered at their agreed or appraised value — not subject to depreciation
- ✓Coverage applies worldwide — your ring is covered whether it's lost in Houston or in Italy
- ✓No deductible on most scheduled personal property policies
- ✓Broader perils covered — including mysterious disappearance (your ring went missing and you don't know how)
Schedule Your Valuables