Scheduling Under Homeowners

SCHEDULING ITEMS UNDER YOUR HOMEOWNERS INSURANCE

Perhaps it’s the latest electronic gadget or large screen hi-def television, or new sporting goods gear or maybe a piece of sparkling jewelry. If you happen to receive or purchase a particularly expensive item, you may consider purchasing extra protection, just in case.

Why would I need to schedule valuable items?

The protection provided for personal property under the typical homeowners, condo or renters policy is very broad, and includes coverage for your furniture, clothing, and appliances. It only provides limited coverage for valuable items such as jewelry, silverware, furs, and art. It may not cover some types of loss that may be important to you, such as the stone falling out of your diamond ring, your china being accidentally broken or your rare coins being stolen.

What types of property can be covered?

Here’s a quick listing of some of the items typically covered:

cameras (video or still) and related equipment
china and crystal
coins (rare and current)
firearms
furs
golfer’s equipment
jewelry
musical instruments
personal computers
stamps (rare and current)
silverware
works of fine art, including paintings, etchings, pictures and other bona fide works of art (such as oriental rugs, statuary, rare books, manuscripts and bric-a-brac) of rarity, historical value or artistic merit.

If you own something of value that is not listed above, it may still be eligible for coverage.

How to Schedule Personal Property

The process for scheduling valuable personal property differs from one insurance company to another. The insurance company keeps copies of appraisals or recent receipts for the items on file. The dollar amount of the value of the items added determines the price of scheduled property insurance.

Scheduling items allows you to purchase better protection for your special property than would be available under the typical homeowners policy. In addition to being able to purchase higher limits of coverage, more perils are covered.

Contact

Assurance One of Texas, LLC
245 Commerce Green Blvd, Ste 110
Sugar Land, TX 77478-3758

Office Hours: M-F 8am-5pm
Tel: 281-494-6400
Toll Free: 800-985-4393
Fax: 281-494-6414
Email: email@nullsugarlandinsuranceagent.com

 

Recent Posts

What do I give up by not using a licensed independent agent to purchase insurance?The disadvantage of not using a licensed agent to purchase insurance is that the policyholder doesThe Independent Agent Advantage

The Holiday's may be over and Valentine’s Day is approaching, and while it may be cold outside love is still in the air. Well, love and a few other thingsHave New Jewelry in the House? Protect it!

For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. AtTeens, Social Media and a Parent's Liability

Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the stepsLightning and Summer Storms

Though grilling is an extremely popular way to prepare food in the summer, it can also be dangerous. According to the U.S. Fire Administration, gas and charcoal grills account forGrilling Safety Reminders For Your Summer BBQ

Site Translator