Scheduling high-value items on your home policy

Standard policies cap how much they pay for jewelry, art and collectibles. Scheduling raises that limit for the items that matter.

By the InsuranU team Updated July 20263 min read

Most homeowners policies quietly cap categories like jewelry or fine art far below what U might own. Scheduling fixes that.

What usually needs scheduling

Fine jewelry and watches
Art, antiques and collectibles
Musical instruments
Furs and designer items

How it works

U list the item, often with an appraisal, and add it to your policy for a set premium. It is then covered for its full value, sometimes with fewer exclusions than standard property coverage.

When it is worth it

If any single item is worth more than your policy's sub-limit for that category, usually a few thousand dollars, scheduling closes that gap.

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Guide

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Common questions

Do I need an appraisal to schedule an item?

Often yes, for higher-value pieces like jewelry or art.

Does scheduling cost a lot extra?

It varies by item and value, but it is usually a modest addition compared to the protection it adds.

U deserve cover that fits

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