The common items that are scheduled are items of high value or particular significance, including:
- Fine Art
- Musical Instruments
- Stamp Collections
- Hearing Aids
- 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:
- 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.
- “All Risk” Protection. Scheduling provides the broadest protection available so the item is insured for all losses except limited situations that are excluded.
- 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.