Having adequate coverage for higher valued personal property items such as jewelry, furs, fine arts, silverware, etc. is important. Over time, these items may rapidly accumulate or increase in 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. You may be able to increase the limits for these items on your policy for an additional premium or you may insure these special items on a separate policy.  This Scheduled Articles Floater may provide the additional coverage that you may need to help ensure that your valuables are covered.