We are frequently asked about the need to schedule fine arts on a valuable items policy. Inquiries have been made about artwork, antiques, and other collectibles.
Some of this property does not need to be itemized and scheduled separately as long as you are satisfied that your unscheduled personal property limit is adequate for a total loss. This limit is indicated as item C on your homeowners policy and is normally 70-75% of your dwelling limit.
Fragile collectibles such as vases, crystal, and other types of pottery or glassware are not covered for breakage incidents. Items of this nature that have significant value should be scheduled in order to pick up breakage coverage.
Please contact us if you have any questions or concerns about valuable personal property.
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