What is scheduled personal property?

Scheduled personal property—also called an endorsement, floater or rider—is an optional coverage to your homeowners insurance policy (or a renters or condo policy) that provides more coverage for high-value items. When you schedule an item, you’ll schedule it for its full value.

How do I add scheduled personal property coverage to my policy?

Here’s how to add scheduled personal property coverage to your policy: Contact your current home or renter’s insurance provider and ask about adding a scheduled personal property endorsement to your current policy. Give your insurer any information it requests, like receipts, appraisals and photographs of the items.

How much does scheduled personal property insurance cost?

Costs vary by insurer, but you can generally expect to pay around $20 annually for every $1,000 of scheduled personal property coverage. So if you insure $10,000 worth of items, you might pay $200 each year. Answer a few questions to see custom quotes and find the right policy for you. How does scheduled personal property coverage work?