Scheduled Personal Property
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Special coverage for high-value items listed by name.
Definition
Scheduled personal property coverage (also called a floater or rider) provides extra protection for valuable items like jewelry, art, or collectibles. Standard homeowners policies have sub-limits on these items. Scheduling them provides coverage for their full appraised value.
Example
Sarah scheduled her $15,000 engagement ring on her policy to ensure it was fully covered if lost or stolen.
More Home Insurance Terms
Insurance that covers the structure of your home.
Coverage for your belongings inside your home.
Coverage for structures not attached to your home.
Pays living expenses if you can't stay in your home.
The cost to replace property with new items of like quality.
Covers injuries to others that occur on your property.
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