Valuable Items Insurance

If you have any jewelry, fine art, rugs, expensive hobby equipment, firearms, silverware or other collectables that may be high in value, you may want to consider scheduling or listing them specifically on your home or renter’s insurance policy since most policies have sublimits for these types of items. In addition to the sublimits that may be too low, scheduling the items can be a way to eliminate the deductible for those items at the time of a loss. Depending on the value of the item, an appraisal may be required.