Scheduled Personal Property Coverage: Extra Protection for Your Valuables in Florida
Your standard home or renters insurance protects a lot — but not everything. If you own high-value items like jewelry, watches, art, or collectibles, a standard policy may not fully cover them. That’s where Scheduled Personal Property Coverage comes in — giving your most valuable belongings the protection they deserve.
What Is Scheduled Personal Property Coverage?
Scheduled Personal Property Coverage (also called “itemized” or “floater” coverage) is an add-on to your home or renters policy that provides extra coverage for valuable items beyond standard policy limits.
Instead of a flat amount for all belongings, you list specific high-value items and insure them individually for their appraised or agreed-upon value.
What Items Can Be Scheduled?
Engagement and wedding rings
Fine jewelry and watches
Artwork and sculptures
Collectibles (coins, stamps, memorabilia)
Firearms or antique weapons
Musical instruments
High-end cameras and photography gear
If it’s valuable or irreplaceable — it’s worth scheduling.
Why Floridians Should Consider It
Florida’s coastal lifestyle comes with unique risks — humidity, hurricanes, and the occasional burglary. Scheduling valuable items ensures you’re covered even for accidental losses, like dropping a ring down the sink or losing jewelry while on vacation.
Unlike a standard homeowners policy, scheduled coverage often includes mysterious disappearance, which means if something valuable simply goes missing, you can still file a claim.
Key Benefits
Broader protection — covers accidental loss, not just theft or fire
No deductible on most scheduled items
Worldwide coverage — protection follows you wherever you travel
Agreed value payout — you’re reimbursed for the appraised amount
How to Schedule Your Property
Get an appraisal or receipt for each item
Provide documentation to your insurance agent
Add the items to your policy as scheduled property
Review your list annually to update values or add new items
Don’t leave your valuables underinsured. Contact Safeguard Insurance today for a free review and learn how easy it is to add scheduled personal property coverage to your policy.