Valuable Articles Insurance for the Things Worth More Than Your Home Policy Covers.

What Is Valuable Articles Insurance?

Valuable articles insurance — also known as scheduled personal property insurance or a personal articles floater — is a type of coverage that provides broader, higher-limit protection for specific high-value items that may not be fully covered under a standard homeowners or renters insurance policy. Most home policies include sub-limits on categories like jewelry, watches, fine art, musical instruments, firearms, cameras, and collectibles — often capping coverage at amounts that may fall far short of an item's actual value.

A scheduled personal property policy works by itemizing — or "scheduling" — specific items and insuring each one at its appraised or agreed-upon value. This means that if a scheduled item is lost, stolen, or damaged, coverage is generally based on what that specific item is worth rather than subject to a blanket sub-limit. Jewelry insurance, fine art insurance, and collectibles insurance are among the most common applications, though virtually any high-value personal possession can be scheduled.

One of the key advantages of a valuable articles policy is that coverage is often broader than a standard homeowners policy — for example, some policies cover accidental loss or mysterious disappearance of a scheduled item, which standard policies typically do not. If you own items of significant value, it's worth reviewing what your current policy actually covers and whether a floater policy makes sense. Contact a Saint Moore Insurance Agency agent to discuss your options for high-value items coverage.