Valuable property
Standard personal-property coverage contains categories with special limits.
Scheduling can broaden protection and establish values before a loss.
Special limits
The home policy may cap theft or other losses involving jewelry, watches, firearms, silverware, money, collectibles and business property.
Scheduling valuables
An appraisal or bill of sale may establish value. Scheduled coverage can offer broader causes of loss and different deductible treatment.
Collections and changing values
Art, wine, coins, memorabilia and similar collections need inventories, photographs and periodic valuation updates.
Storage and security
Safes, alarms, vaults, transit, exhibitions and wear can affect underwriting and loss prevention.
Complete household protection