Common items worth scheduling include engagement rings and wedding bands, fine watches, camera and photography equipment, musical instruments, firearms collections, wine collections, fine art, and sports memorabilia. The test is simple: anything worth more than your homeowners sublimit for that category is a candidate. Jewelry theft on most standard HO-3 policies is capped at $1,500 to $2,500 total. If a single piece exceeds that, schedule it.

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