Your engagement ring, watch collection, fine art, and other high-value possessions deserve more than the limited coverage your homeowners policy provides. Scheduled personal property insurance protects each item at its full appraised value — worldwide, against more perils, and typically with no deductible.
Scheduled personal property coverage protects your most valuable possessions individually — far beyond your homeowners policy’s standard sub-limits.
Your ring is one of the most valuable items you own — and one of the easiest to lose or damage. Scheduled coverage insures it at full appraised value for loss, theft, damage, and mysterious disappearance.
Luxury watches, necklaces, bracelets, and earrings that exceed your policy’s sub-limits. Each piece is scheduled individually at its current appraised or purchase value.
Paintings, sculptures, rare books, coins, stamps, and antiques. Scheduled coverage protects your collection at agreed-upon value — no depreciation, no disputes at claim time.
High-end camera bodies, lenses, drones, laptops, and audio equipment. Ideal for photographers and creators whose gear exceeds standard personal property limits.
Guitars, violins, pianos, brass instruments, and professional audio gear. Coverage travels with you to rehearsals, performances, and studios — anywhere in the world.
Skis, golf clubs, signed memorabilia, trading cards, and high-value sporting goods. Colorado’s active lifestyle means your gear deserves proper protection year-round.
Most Colorado homeowners policies cap jewelry coverage at just $1,500 to $2,500 for theft — and that sub-limit applies to all your jewelry combined, not per item. If you own an engagement ring, a few watches, or any piece worth more than a couple thousand dollars, your homeowners policy is almost certainly not enough. Worse, standard policies often exclude common losses like accidentally dropping a ring down a drain or a stone falling out of its setting.
A scheduled personal property endorsement adds individual items to your homeowners or renters policy at their full appraised value. Each piece is listed by description and amount, and coverage extends worldwide — meaning your ring is protected whether you are at home in Denver or on vacation overseas. Most scheduled endorsements carry no deductible, so a covered loss pays out the full scheduled amount. Alternatively, a standalone valuable items policy from a specialty carrier can offer even broader protection with flexible limits.
Insurance carriers typically require a professional appraisal or original purchase receipt to schedule an item. Appraisals should come from a certified gemologist or qualified appraiser, and most carriers ask you to update them every two to three years to keep pace with market values. At Sierra Insurance Group, we walk you through the documentation process and help you choose between a homeowners policy endorsement and a standalone policy based on your collection and budget.
Standard homeowners policies limit jewelry coverage to $1,500–$2,500 for theft and typically exclude losses like accidental damage or mysterious disappearance. If your engagement ring, watch collection, or other valuables exceed those sub-limits, a loss would leave you significantly underinsured. A scheduled personal property endorsement or standalone policy covers each item at its full appraised value.
A scheduled personal property endorsement is an add-on to your homeowners or renters policy that lists specific high-value items — like engagement rings, watches, or fine art — along with their appraised values. Each item is individually covered for its full scheduled amount with no deductible, and protection typically extends worldwide against a broader range of perils than your base policy.
Yes, most insurance carriers require a professional appraisal or recent purchase receipt to schedule high-value items. Appraisals should be completed by a certified gemologist or qualified appraiser and are typically updated every two to three years to reflect current market values. We can help you understand what documentation your carrier needs.
Scheduled personal property coverage extends well beyond jewelry. You can insure fine art, antiques, collectibles, high-end electronics, cameras and lenses, musical instruments, sports equipment, firearms, silverware, and furs. Any item that exceeds your homeowners policy’s standard sub-limits is a candidate for scheduled coverage.
Most scheduled personal property endorsements and standalone valuable items policies carry no deductible. That means if your ring is lost, stolen, or damaged, you receive the full appraised value without paying anything out of pocket. This is one of the biggest advantages over relying on your homeowners policy’s standard personal property coverage, which does include a deductible.
I started Sierra Insurance Group to help Denver families find coverage that actually fits — at a price that makes sense. We take the time to understand your situation and match you with the right protection, not just the first quote.
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