Personal Property: Scheduled vs. Blanket Coverage

Standard home insurance policies cover personal property but often limit the amount for high-value items like jewelry, art, and electronics. To cover valuable items adequately:

• Scheduled Personal Property: This option allows you to specifically list (schedule) high-value items in your policy for their appraised value. You’ll need appraisals for items like jewelry, rare collections, or art pieces.
• Blanket Coverage: Provides a fixed coverage amount for all personal property, but with lower per-item limits. Ideal for items that don’t exceed your policy’s standard limits.
• Worldwide Coverage: Scheduled items are often covered worldwide, which can protect valuables from loss or theft during travel.