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Homeowner's Insurance - expensive items

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Is it summer yet?

Member since 8/06

7392 total posts


Homeowner's Insurance - expensive items

Can someone explain to me what the difference is when you "schedule" something on your homeowner's insurance? I was told that most homeowner's insurance only cover jewelry up to $1000 so for items such as your engagement ring, expensive watches, and other expensive items you have in the house, you should schedule them. I guess your premium goes up based on the value of the scheduled items. Now, does this mean that these items are specifically insured and I still have whatever my original coverage was (since I am paying a higher premium) or do they items eat up part of my coverage and the scheduling is just a guarantee that they will be covered for their full value?


Posted 1/5/07 4:39 PM
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Member since 2/06

24849 total posts


Re: Homeowner's Insurance - expensive items

I was told I would need a separate rider for my e-ring and wedding band and any other jewlery items I would want to include

I have a jewlery policey with CHUBB for my e-ring that is cheaper then what it would cost to add it to a home owners policey

Posted 1/5/07 4:54 PM

Life is So Wonderful!

Member since 8/06

6663 total posts


Re: Homeowner's Insurance - expensive items

I have a separate rider for my e ring and wedding band.

i pay 244 a year for my e ring!

Posted 1/5/07 5:09 PM

Plan B is Now Plan A

Member since 7/05

32475 total posts


Re: Homeowner's Insurance - expensive items

I woldn't list anything on your policy. I would get a separate rider or personal articles policy for your jewelry.

I keep a list of everything in my house and the approximate value in case something happens.

Posted 1/5/07 5:17 PM

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