Question 1

Does homeowners insurance cover my jewelry?

Accepted Answer

Yes, but usually with strict limits that surprise people. A standard homeowners insurance policy covers jewelry, but it caps how much it will pay for theft of jewelry, often around $1,500 to $2,500 total. That sublimit applies no matter how much your jewelry is actually worth, so a valuable piece can be badly underinsured. For example: Your home is burglarized in Atlanta and a $9,000 engagement ring is stolen. If your policy has a $1,500 theft sublimit on jewelry, that is all it will pay toward the ring, leaving you to absorb the remaining $7,500. The full personal property limit on your policy does not override that special jewelry cap. There is also the question of which perils are covered. The base policy may pay for theft and fire, but it often will not cover simply losing a ring or accidentally dropping it down a drain. Scheduling valuable jewelry on what is called a personal articles floater, sometimes added as an endorsement to the policy, closes this gap. Scheduling raises the coverage amount to the item's appraised value, usually removes the deductible, and broadens coverage to include accidental loss and mysterious disappearance. On an engagement ring, a watch, or inherited pieces, scheduling is a low-cost way to close that gap, and a licensed advisor can confirm what fits your situation. Want help making sure your valuables are fully protected? Get a free coverage review today.

Question 2

What items can be scheduled on an articles floater?

Accepted Answer

A personal articles floater lets you schedule, or specifically list, high-value possessions so they are covered for their full appraised value with broader protection than your base homeowners insurance policy provides. Standard policies cap how much they pay for many valuable categories, and a floater removes that ceiling for the items you list. Commonly scheduled items include: Engagement rings, wedding bands, and fine jewelry Watches and loose or set gemstones Furs and designer accessories Fine art, antiques, and collectibles Firearms and coin or stamp collections Cameras and professional photography gear Musical instruments Silverware and high-end electronics The big advantages of scheduling are higher limits, often no deductible, and broader coverage that includes accidental loss and mysterious disappearance, not just theft and fire. For example, if you schedule a $6,000 wedding ring and lose the stone while gardening, a floater can cover it, while a standard policy likely would not. Most scheduled items require a recent appraisal or a detailed receipt so the value is documented up front. That documentation also speeds up a claim, since the agreed value is already on file. If you own anything of real value, scheduling it is an affordable way to close a common coverage gap. Want help identifying which of your belongings should be scheduled? Get a free coverage review today.

Question 3

What is the difference between a scheduled articles floater and a standalone jewelry policy?

Accepted Answer

The main difference is where the coverage lives and how it is structured. A scheduled articles floater is an add-on to your existing homeowners policy that lists specific high-value items, while a standalone jewelry policy is a separate contract bought on its own, usually from a specialty insurer. Both can give you broad, low-deductible protection for valuables, but they sit in different places and behave differently at claim time. A scheduled articles floater, sometimes called a personal articles endorsement, is added to your homeowners policy. You list each item with its appraised value, and that item is then covered for nearly any cause of loss, including the ones a standard policy limits, like mysterious disappearance when a ring simply goes missing. An endorsement is an add-on that changes your base coverage, so the floater rides along on the home policy you already pay for. A standalone jewelry policy is its own policy. It is not attached to your home insurance at all, so a claim on it does not touch your homeowners record or affect that renewal. Specialty insurers that focus only on jewelry sometimes offer slightly higher limits, worldwide coverage, and features tailored to collectors. Here is why the choice matters in practice. With a floater, a jewelry claim becomes a claim on your home policy, which can factor into future home pricing. With a standalone policy, the jewelry claim is kept separate, but you are managing and paying for a second policy. For example, a Roswell homeowner with a $14,000 engagement ring schedules it on her homeowners policy for about $140 a year. When the diamond falls out and is lost, the floater pays the full $14,000 with no deductible, but the claim appears on her home record. A neighbor instead buys a standalone policy for a similar premium, and his lost-stone claim stays entirely off his home insurance. Most Georgia families do fine with a floater because it is simple and affordable, while collectors with large amounts sometimes prefer a standalone policy. We can compare both for your valuables. Start with a free coverage review at our coverage review page.

Question 4

What is a scheduled articles floater and what does it cover?

Accepted Answer

A scheduled articles floater is an add-on that gives your most valuable possessions broader, dollar-for-dollar protection than a standard home or renters policy provides. You list, or "schedule," specific items, and each one gets its own agreed value and coverage. It works as an endorsement to your existing policy. Once an item is scheduled, it is covered against nearly any kind of loss, often with no deductible. A floater covers things your base policy limits or excludes: Mysterious disappearance. If you simply lose a scheduled ring, it is covered, where a standard policy would not pay. Full agreed value. You and the insurer set the value upfront, so there is no argument at claim time. Worldwide protection. Coverage follows the item wherever you take it. Accidental damage, such as chipping a diamond or cracking a collectible. For example, suppose you own a $9,000 engagement ring. A typical homeowners insurance policy might cap jewelry theft at $1,500. If you lose the ring down a drain, the base policy pays nothing, but a scheduled floater would pay the full $9,000. If you own jewelry, art, or collectibles worth protecting, scheduling them is usually inexpensive and gives real peace of mind. Request a free coverage review and we will help you schedule your valuables in Georgia.

Question 5

What items should I schedule on a Georgia homeowners policy?

Accepted Answer

An item is commonly scheduled when it is worth more than a homeowners policy will pay under its built-in limits, or when it would be costly to lose. Scheduling means listing a specific valuable on a personal articles floater, an add-on that covers that item for its full appraised value with little or no deductible. The reason to do it is that a standard homeowners policy caps certain categories of property at low amounts. The most common items Georgia homeowners schedule are: Jewelry, including engagement rings, wedding bands, and watches Fine art, antiques, and collectibles Firearms and gun collections Furs Cameras and professional photography gear Musical instruments Silverware and high-end flatware Coin, stamp, and trading card collections Why schedule them? Most home policies limit theft of jewelry to around $1,500 to $2,500 total, and they limit firearms and silverware in similar ways. Worse, the base policy often will not pay at all if a ring is simply lost rather than stolen. Scheduling removes those caps for the listed item and adds coverage for accidental loss, mysterious disappearance, and damage. To schedule an item, you usually provide a recent appraisal or a detailed receipt showing its value. The floater then covers that exact item for the stated amount, frequently with no deductible, which is the dollar amount you would otherwise pay out of pocket before coverage kicks in. For example, an Athens couple owns a $9,000 watch and a $6,000 diamond ring. Their home policy would pay only about $1,500 if either were stolen, and nothing if the ring slipped off and was lost. After scheduling both on a floater for roughly $130 a year, the full $15,000 is protected against theft, loss, and damage with no deductible. Scheduling fits anything that cannot easily be replaced from savings, or that exceeds the policy category limit. It also helps to revisit your scheduled items every couple of years, because values change. Gold and diamond prices rise over time, and an appraisal from a decade ago may understate what a piece is worth today, which would leave you underinsured even on a scheduled item. Updating the appraisal keeps the listed value in line with replacement cost. We can review your valuables and tell you exactly what is worth scheduling, and at what amount, with a free coverage review at our coverage review page.

Scheduled personal property insurance in Georgia.

What scheduled personal property covers

Individual Item Scheduling

Worldwide Coverage

Broader Coverage Than Homeowners

No-Deductible Options

What scheduled personal property does not cover

Wear and deterioration

Mechanical or electronic failure

Intentional damage or gifting

Appreciation Above Scheduled Value

Who needs Scheduled Personal Property Insurance.

What you can expect to pay.

Claims tips

First Steps

What to Document

Common Mistakes

When to Call Us

Carriers We Work With

AIG

Chubb

Jewelers Mutual Insurance

Openly Insurance

Travelers Insurance

Georgia scheduled articles: homeowners endorsement vs standalone Jewelers Mutual

If you have a claim in Georgia

Common Scheduled Personal Property Insurance Questions

Scheduled Personal Property Insurance: frequently asked questions

Have valuable items that need individual coverage?