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Valuable Items Coverage
1. Valuable Items Coverage
Why schedule your valuable items?
• It provides the proper limits of insurance for property subject to sublimits
under a normal homeowners policy
• It provides significantly broader coverage for valuable items that face
exposure to loss (all risk)
• It typically provides global coverage
• It removes high value items from the personal property section of the
homeowners policy, increasing the coverage for general personal property
• It encourages the insured to maintain current appraisals, which minimize
settlement problems in the event of a loss
• Typically, no deductible clause applies to scheduled items
What can be scheduled?
• Jewelry – can be "blanket coverage" or each item can be listed separately
- includes "mysterious disappearance" coverage
• Fine Arts (paintings, etchings, pictures, tapestries, art glass, value rugs,
statuary, marble, bronze, manuscripts, rare books, porcelain, rare glass, etc.)
• Antique Furnishings
• China
• Crystal
• Camera Equipment (cameras, video recorders, binoculars, telescopes, etc.)
• Furs
• Musical Instruments
• Silverware (includes silverware, silver-plated ware, gold ware, pewter ware,
platinum ware, etc.)
• Golf Equipment – extends coverage to golf cart, car, locker room, etc.
• Computer Equipment
• Stamps and Coins
• Collections
What is the cost?
The cost to add valuable items coverage to your homeowners policy depends on
the amount of coverage and the coverage class. Generally, jewelry coverage is
the most expensive. Discounts are offered for items stored in safes and/or
safety deposit boxes and homes with alarm systems. Give us a call and we can
provide an exact cost for your situation.
Call us at (858) 751-5888 for a personal and complete insurance review.
4858 Mercury Street, Suite 214
San Diego, CA 92111
Ph (858) 751-5888 • Fx (858) 751-5999
www.koneckiins.com • License # 0E61914
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