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.

Where this term matters

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Blanket Personal PropertyA single policy limit covering all personal property in aggregate, rather than item-by-item sub-limits.Coverage C (Personal Property)The homeowners policy section that reimburses the policyholder for damaged or stolen personal belongings, such as furniture, electronics, and clothing.Replacement Cost Value (RCV)The cost to replace lost property with new items of similar kind and quality — no depreciation.Actual Cash Value (ACV)The depreciated value of property at the time of loss — what your insurer pays minus age and wear.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
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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 June 2026

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