Scheduled Personal Property
Insurance Glossary
An endorsement that insures specific high value items individually, listing each with its own limit rather than leaving it under a sublimit. Jewelry, watches, firearms, fine art, musical instruments and collectibles are the usual candidates, since standard policies cap those categories well below replacement cost. Scheduled items are commonly covered on an open perils basis and often without a deductible, and insurers may ask for an appraisal or a receipt.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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