Insurance Solutions

Personal Property Insurance

Your homeowner’s policy will protect a majority of the assets within your home (usually up to 50% of the insurance you have on your dwelling). In some cases though, valuable assets (furs, jewelry, cameras, coin and stamp collections, musical instruments, silver and goldware) may fall out of range of that 50% homeowner’s policy. If that applies to your home, there are additional coverage options available such as Scheduled Personal Property (SPP) coverage or Extended Coverage on jewelry, watches, and furs.

Scheduled Personal Property Insurance

If you have valuable (or invaluable) items within your home, you can create a specific list of these items and add an “endorsement”, called Scheduled Personal Property (SPP) which is, in essence, a mini-insurance policy on the selected items. This endorsement provides all-risks coverage up to the total amount of the listed items.

Extended Coverage Insurance

For three specific types of valuables – jewelry, watches, and furs – you can take out what is called Extended Coverage, which will provide you with even more protection. Like Scheduled Personal Property (see Scheduled Personal Property), this additional insurance provides all-risks coverage up to the total listed value of the items.

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