Getting Coverage for Very Expensive Items

Your homeowners insurance comes with extensive personal property coverage, but it is always in your best interest to schedule very expensive items on your policy. To schedule an item means to specifically list it on your policy. Scheduling personal property comes at an additional cost, but it is good for a variety of reasons:

Many times if you wish to schedule items that are worth more than a few thousand dollars you will need a recent appraisal or bill of sale. After you have scheduled the items, however, you have bullet-proof coverage!