Do you know what type of coverage you have on your golf clubs? If a thief made off with them tomorrow, do you have replacement cost for them? You may not know it, but some insurance policies have sub-limits or special limits on certain items that could limit the amount payable on a potential claim.
Scheduled articles is the solution you need. It’s an endorsement or a rider that is an optional coverage on your home insurance policy (farm or tenants package) that provides more coverage for higher value items. The types of items that are commonly scheduled are:
When you schedule an article, you’ll schedule it for its full value. For example, if you own an engagement ring valued at $5700.00, you can schedule it for that amount. As some items appreciate in value, it’s a good idea to have them appraised every few years.
Another benefit it scheduling articles is you may be eligible for broader than you would under the other portions of your home insurance policy. Your scheduled articles may even qualify for a zero-dollar deductible.
Do you have any items you need scheduled or have questions? Please get in touch with us to speak with one of our highly knowledgeable agents!
Call us today for more information about our services.