Home & Property
Scheduled Personal Property
A policy endorsement that individually lists and insures high-value items — jewelry, art, collectibles — at their appraised value.
Last reviewed: May 2026 · Editorial methodology
Definition
Scheduled personal property (also called a personal articles floater or rider) attaches specific items to the policy with their own coverage limit and description, ensuring they are insured at full appraised or agreed value rather than the sub-limits that apply to unscheduled valuables. Typical base-policy sub-limits for jewelry run $1,500–$2,500 and for firearms $2,500 — far below the replacement cost of many collections. A scheduled rider eliminates or greatly reduces deductibles for listed items and often covers mysterious disappearance (an item simply goes missing) and accidental breakage, neither of which standard policies cover. Insurers require recent appraisals — typically within the last 3–5 years — for jewelry, fine art, and musical instruments. Premiums depend on the item's appraised value and risk profile; jewelry typically runs $1–$2 per $100 of value annually. After a loss, the insurer pays the scheduled amount without depreciation.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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