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SCHEDULED PERSONAL PROPERTY INSURANCE · GEORGIA

Scheduled personal property insurance in Georgia.

Standard homeowners and renters policies cover personal property as a group up to a total limit, with sublimits for specific categories. Cameras, musical instruments, sports equipment, and collectibles often exceed these sublimits. A scheduled articles rider or standalone policy covers each item individually at its agreed value.

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WHAT'S COVERED

What scheduled personal property covers

Individual Item Scheduling

Each item is insured for a specific agreed or appraised value. No depreciation. No sublimit.

Worldwide Coverage

Coverage follows the item anywhere in the world, not just at home.

Broader Coverage Than Homeowners

Includes accidental damage, mysterious disappearance, and loss in addition to theft.

IMPORTANT LIMITATIONS

What scheduled personal property does not cover

Wear and deterioration

Items worn out through normal use are not covered.

Mechanical or electronic failure

Electronic failure not caused by a covered peril is excluded.

Intentional damage or gifting

Items intentionally damaged or given away are excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Have valuable items that need individual coverage?

If you have cameras, instruments, sports equipment, or collectibles worth more than your homeowners sublimit covers, send us an inventory and we will get them properly scheduled.

$80 to $400 per year for most scheduled Georgia items

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