Scheduled Personal Property Coverage in California

What We Offer

Scheduled Personal Property Coverage in California

When it comes to protecting your most valuable belongings, a standard homeowner’s insurance policy might not provide enough coverage. That’s where Scheduled Personal Property coverage steps in — offering you extra protection for the items that mean the most to you. Whether it's a diamond engagement ring, an heirloom watch, or your prized collection of vintage guitars, scheduling these items ensures that they're fully covered in case of theft, loss, or damage — with fewer coverage restrictions and no deductible in most cases.

Homeowners Insurance

What Is Scheduled Personal Property?

Scheduled Personal Property is an optional add-on (endorsement) to your existing Homeowner insurance. It allows you to insure high-value personal items individually by “scheduling” them on your policy. This ensures they’re covered for their full appraised value with broader protection than the base policy offers.

Why Schedule Items Separately?

Standard home insurance has coverage limits for certain categories of personal property. For example, jewelry, artwork, or musical instruments are typically only covered up to $1,500–$2,500 per category. If your item is worth significantly more, you could be underinsured in a claim.

By scheduling personal property, you can:

Insure items for their appraised or agreed value
Get all-risk coverage, including accidental loss (not just theft or fire)
Often enjoy zero deductible on covered claims
Ensure special collections or rare items are protected

What Can Be Scheduled?

Almost any high-value item can be scheduled. Common examples include:

Engagement and wedding rings
Luxury watches
Fine art or antique pieces
Firearms
Cameras and lenses
Stamp and coin collections
Musical instruments
High-end electronics
Designer handbags and fashion accessories
Sports memorabilia

How It Works

Get the item appraised (some insurance carriers may accept receipts for recent purchases).
Submit the appraisal or proof of value to us.
We’ll help you add the item to your existing home insurance policy as a scheduled item.
Enjoy peace of mind knowing your item is properly protected.

Who Needs Scheduled Personal Property?

If you own valuable personal belongings that exceed the limits of standard homeowners’ coverage, this add-on is for you. Whether you're a collector, a newlywed with expensive jewelry, or simply someone with sentimental heirlooms, protecting those items with proper coverage is essential.