Scheduling High-Value Items

Do I need to schedule high-value items on my Homeowners?

Are you wondering whether you need to schedule high-value items on your homeowners’ insurance? Many people have been caught out after something has happened to their high-value items and they’ve only been partially covered for them. Read on to find out more about scheduling high-value items on your homeowners’ cover.

Am I automatically covered for high-value items?

If you have high-value items in your home such as expensive jewelry, collectible artwork, or a vintage musical instrument, you may not be fully covered for it by your current homeowners’ insurance policy. This is because homeowners’ insurance policies often have sub-limits for certain items. For instance, if your policy has a sub-limit for jewelry and this is $2,000 but the item or items are worth much more than this, you’ll only receive $2,000 to replace them.

How can I get full cover for my high-value items?

If you do have items with a value that vastly exceeds the sub-limit, you can have them scheduled. Scheduled personal property is often available as an add-on to your insurance policy and means you can receive the full amount if high-value items are lost, damaged, or stolen. Items that are commonly scheduled include artwork, antiques, collectibles, firearms, medical equipment, and expensive electronics.

How do I know how much my high-value item is worth?

The monetary value of high-value items can change considerably over time.  This is why it’s such a good idea to get these items re-valued every so often so you know how much they are worth and how much coverage to get. 

Are there any other benefits to scheduling items?

A big benefit of having an item scheduled is that you may get more coverage than you would under a standard policy. For instance, you might not be covered for the loss under your main policy, but you could get this cover as part of an add-on.

Who can help me if I want to schedule a high-value item?

At Crowel, we are here to assist you if you do have a high-value item to insure. We have been a leading player in our industry for over 55 years and can help you arrange cover for pretty much anything. Another great reason for choosing us when you need to schedule high-value items in Indiana is that we are not tied to any particular insurance provider. This means you can rest assured that you’re dealing with an independent, impartial company when you seek out the right cover with Crowel. Our team is only happy when you are truly satisfied with the cover they have helped you source, and we keep our doors open outside of traditional office hours so you can visit us after work if you wish.

Contact us

To get in touch today and find out more about scheduling high-value items with Crowel, call or text today. Alternatively, you can send a message to us through the website, and we’ll get back to you as quickly as we can.