Scheduled Property Insurance

Scheduled Property Insurance is a supplemental insurance policy that gives extra coverage beyond the standard protection provided in a homeowners insurance policy. It is also called an endorsement, floater or rider. It is an optional coverage that gives you more coverage for high-valued items. When you schedule an item, you will schedule it for its full value.

What is the difference between scheduled and unscheduled property?

Unscheduled personal property refers to the majority of your normal every day items like clothes, appliances & furniture. It is called “unscheduled” because you aren’t required to schedule it or keep a list of each individual item.

Scheduled items are belongings with higher value that need to be insured separately.