Scheduled items are covered by an add-on to your homeowners insurance policy. A few examples of items that you might have scheduled by insurance are jewelry, furs, antiques, art, firearms, and expensive cameras or electronics. There are several benefits to asking about scheduled items when seeking insurance quotes. An insurance company may not require a deductible for a scheduled item. Scheduled items also provide much broader coverage. For example, an insurance company might cover accidental loss such as dropping your ring down a drain or a child accidentally ruining a piece of fine art or a musical instrument. It also includes damage from fire or theft. Before having an item scheduled by your agent, most insurance companies require a professional appraisal of the value of each item or a recent receipt of your purchase.

Adding Scheduled Items to Your Homeowner’s Insurance

If you have special valuables you think might be worth listing as scheduled items, call Integrity Insurance Solutions in San Marcos, TX. They’ll help you get an accurate appraisal and decide exactly how much additional coverage you should carry for these prized possessions. Your insurance agent can also give you tips on protecting and caring for these special items to prevent damage or loss. An expert will let you know exactly what’s worth protecting in this way and what property will be best covered by traditional homeowners insurance.

To find out more about adding scheduled items to your insurance policy, call Integrity Insurance Solutions in San Marcos at (512) 396-2211 to speak with an agent. Visit their website to learn more about all of their personal insurance policies to protect your valuables and your family.