top of page
Search

Scheduled Personal Property Coverage: Protecting Your Valuables

  • Writer: Rolland & Associates
    Rolland & Associates
  • 15 minutes ago
  • 2 min read

When it comes to protecting your home, homeowners insurance is a vital safeguard. It helps cover your dwelling, liability risks, and many of your personal belongings. But here’s the catch: your standard policy may not fully cover some of your most valuable items.


That’s where Scheduled Personal Property Coverage comes in.



What Is Scheduled Personal Property Coverage?

Scheduled Personal Property (SPP) coverage is an add-on (also known as a rider or endorsement) to your homeowners insurance policy. It provides extra protection for high-value items that may exceed the coverage limits of a standard policy.


Think of it as a way to individually itemize and insure specific valuables — like jewelry, fine art, collectibles, or heirlooms — for their full appraised value.


Why You Might Need It in Powell, Ohio

While Powell is a safe, family-friendly community, no area is completely immune to risks like theft, fire, or severe weather. If you own high-value items, it’s important to ask yourself:

  • Would I be able to fully replace this item with standard coverage?

  • Do I own jewelry, antiques, or electronics that are worth more than $1,500–$2,500 each?

  • Has my current homeowners policy been reviewed recently to reflect any new acquisitions?


If the answer is yes to any of these, SPP might be a smart choice.


What Items Can Be Scheduled?

Commonly scheduled personal property includes:

  • 💍 Engagement rings and fine jewelry

  • 🖼️ Artwork, antiques, and rare collectibles

  • 🎻 Musical instruments

  • 📷 Photography equipment

  • ⌚ Luxury watches

  • 💻 High-end electronics

  • 🔫 Firearms

  • 🏆 Sports memorabilia or rare collections


If you’ve had a wedding, inherited valuables, or made a big purchase recently, now is the perfect time to review your coverage.


Key Benefits of Scheduling Your Valuables

✅ Higher Coverage Limits – Far beyond the sub-limits of a typical homeowners policy.

✅ Broader Protection – Coverage often includes accidental loss or mysterious disappearance — scenarios a standard policy may not cover.

✅ No Deductible (Optional) – Some policies offer coverage with no deductible for scheduled items.

✅ Peace of Mind – You know exactly what’s covered and for how much.

How to Get Started

  1. Inventory Your Valuables Make a list of high-value items, including purchase receipts, appraisals, and photos.

  2. Get Professional Appraisals Especially for fine jewelry, artwork, and antiques — most insurers require this for scheduling.

  3. Talk to Your Agent At Rolland Insurance, we’ll help you determine whether SPP coverage makes sense and walk you through the process of adding it to your policy.

Don’t Leave It to Chance

Your valuables are more than just things — they hold financial and sentimental value. A standard homeowners policy provides solid baseline protection, but it may not go far enough. With Scheduled Personal Property Coverage, you can ensure your most treasured possessions are fully protected.

Need help reviewing your coverage?Contact the experts at Rolland Insurance today. We’ll help you safeguard what matters most — with personalized advice and solutions tailored to your needs in Powell, Ohio.

📞 Call us at (614) 789-1891 🌐 www.rollandinsurance.net 📍 Serving Powell and surrounding communities

 
 
bottom of page