Having adequate coverage for higher valued personal property items such as jewelry, furs, fine arts, silverware, etc. is important. Over time, these items can rapidly accumulate in the number of items and total value. Many people don't keep up with the increase in value on these items and are often surprised, when a loss occurs, that they are underinsured.

Standard Homeowner, Condominium and Renters policies limit these items to specific amounts per item and total loss. Be sure you know the limitations on your specific policy. Insuring these special items on a Scheduled Articles Floater will ensure your valuables are covered for their full replacement cost.

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