You may feel that once you have secured a Home Owners Policy (HO-3) that all of your personal belongings are covered.  Well, more than likely not all of your items are protected.

One of the most popular items to schedule would have to be a wedding set, your engagement ring and wedding band.  Just think, if you are out for a walk one day and the stone falls out of your engagement ring, this would not normally be covered by your standard Home Owners Policy, but for a very small premium the stone would be covered in full.  Also, most companies will not charge you a deductible for filing a claim on scheduled property.

So, you may be asking yourself, what do I need to schedule my property?  In most cases a receipt for purchase of an item, or if you are scheduling jewelry it is highly recommended to get an appraisal done of the item, and submit that.

If you have any more questions regarding the scheduling of personal property, or any other of your Insurance needs, please submit a form on our website, and a Customer Service Agent will be in contact soon.