The common items that are scheduled are items of high value or particular significance, including:

  • Jewelry
  • Fine Art
  • Coins
  • Musical Instruments
  • Silverware
  • Prosthetics
  • Furs
  • Stamp Collections
  • Hearing Aids
  • Firearms
  • Cameras
  • And more….


Scheduling provides a cost-effective way to insure individual items for most events that cause loss and up to their actual value. The benefits of scheduling include:

  1. No Deductible. Since more of our clients are effectively lowering their premiums by selecting higher deductibles, scheduling allows you to eliminate the deductible for that particular item.
  2. “All Risk” Protection.┬áScheduling provides the broadest protection available so the item is insured for all losses except limited situations that are excluded.
  3. Removes Policy Limitations. Standard homeowner policies contain limitations for certain classes of property, such as the standard policy limitation of $1,000 for the theft of an individual piece of jewelry. Scheduling removes the per-item limitation for that scheduled piece of jewelry.