Scheduled Personal Property
Additional insurance for valuable items that extends beyond the coverage limits and perils of standard personal property coverage.
Detailed Explanation
Scheduling items like jewelry, fine art, collectibles, or musical instruments provides protection against more perils (including accidental loss), eliminates deductibles for those items, and covers the full appraised value.
Practical Example
After adding her $8,000 diamond engagement ring to her policy as scheduled personal property, Lisa was fully covered when the ring accidentally fell down a drain during a vacation—a loss that wouldn't have been covered under her standard policy.
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