Photo of fancy living room with antique furniture, oil paintings, oriental rugs, Georgian fireplace with black marble surround and pale yellow walls.

Scheduled Property Coverage

Scheduled property coverage protects the more expensive items you own that are not covered under the limits of your standard personal property coverage. This includes jewelry, fine art, fire arms, furs, and antiques.

Scheduled personal property coverage is an endorsement that you can add to your home insurance policy to raise coverage. It raises the limits for high-value items to ensure they are fully protected — no matter how or where they’re damaged.

How do I know if I need Scheduled Property Coverage?

  • Review your personal property coverage in your homeowners policy and clarify your personal property limits.

  • Compare these limits to your home inventory list (you should assign a replacement value to each of these if possible).

  • Identify the items you would like to add to a scheduled property endorsement.

  • Have these items appraised.

  • Present the appraisal to Mutual Assurance to set up your scheduled property coverage.

Here are some other items you may want to include under scheduled property

  • Custom sports equipment like bikes and golf clubs

  • Stamp and coin collections

  • Musical instruments

  • Cameras and specialty electronics

  • Medical devices

  • Silverware

  • Oriental Rugs

  • Bespoke fashion/clothing/accessories