Items of special value, like fine arts, jewelry and silverware should be separately scheduled on your policy if you want coverage for their full replacement value and much broader protection against loss.  A standard Homeowners policy has special coverage limits for these types of items, usually maxing out at $1,500, and it will also only cover for “named perils”, which means, for example, that items that are lost or mysterioisly disappear will not be covered if they are not scheduled.

In order to have items scheduled on your policy, simply provide us with an appraisal or a bill of sale (must be dated within in past 3 years).  There is an additional premium to schedule items. If you would like an estimate of what it would cost, please contact us.