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Valuable Item Insurance in Florida
When Standard Policies Aren’t Enough for What Matters Most
Homeowners and renters insurance usually include limits on high-value items like jewelry, art, collectibles, and musical instruments. Those built-in limits may be far lower than the item’s actual value — and some losses, such as accidental loss, may not be covered at all. Valuable item insurance allows you to properly insure individual items for their full value, helping avoid coverage gaps and surprises at claim time.
How Valuable Item Insurance Works
Scheduled Personal Property Coverage
Items are listed (“scheduled”) individually on your policy with a specific insured value, providing broader protection than standard coverage.
Covered Loss Types
Often includes theft, damage, and accidental loss — coverage that may be excluded or limited under a basic homeowners or renters policy.
No or Low Deductible Options
Many scheduled items are covered with no deductible, depending on the carrier and coverage structure.
Flexible Coverage Structures
Coverage may be added as an endorsement to an existing policy or placed as a separate personal articles policy.
Coverage That Travels
Protection typically follows the item worldwide — helpful for travel, seasonal homes, or frequent use.
Common Items That Benefit from Scheduling
Florida lifestyles often involve higher exposure for valuable items — boating and waterfront living, frequent travel, seasonal residences, and special-occasion jewelry purchases. We regularly help clients insure engagement rings, wedding bands, watches, fine art, collectibles, musical instruments, and other valuables. From Jupiter and Abacoa to Palm Beach Gardens and Juno Beach, we help ensure coverage reflects how and where items are actually used.
Our Process
1
Review what items you want insured
2
Confirm values and documentation needs
3
Compare endorsement vs. separate policy options
4
Align coverage with your existing insurance
Standard Coverage
vs. Scheduled Coverage
The table below highlights why scheduling valuable items is often recommended.
| Feature | Standard Policy Coverage | Scheduled Item Coverage |
|---|---|---|
| Coverage Limits | Low sub-limits | Item insured for full value |
| Accidental Loss | Often excluded | Commonly included |
| Deductible | Applies | Often waived |
| Worldwide Coverage | Limited | Typically included |
| Claim Settlement | Subject to limits | Based on scheduled value |
Not sure if an item should be scheduled? We’ll help you decide.
Simple Checklist to Get Started
To provide an accurate quote, we may ask for:
- Item type (jewelry, art, instrument, collectible, etc.)
- Approximate value
- Receipts or recent appraisal (when required)
- How and where the item is stored or used
You can securely upload appraisals and receipts to make the process easier.
Common Questions About Valuable Item Insurance
How do I insure jewelry on my homeowners policy in Florida?
Jewelry can be scheduled as a valuable item to increase limits and expand coverage beyond standard policy restrictions.
What is scheduled personal property coverage?
It’s coverage that lists individual items with specific insured values, offering broader protection.
Do I need an appraisal to insure an engagement ring?
Often yes, especially for higher-value items. We’ll let you know what documentation is needed.
Does homeowners insurance cover lost jewelry?
Usually not. Accidental loss is commonly excluded unless the item is scheduled.
Should I schedule art, collectibles, or instruments?
If the item’s value exceeds standard limits or has special exposure, scheduling is often recommended.
Make Sure Your Valuables Are Insured for Their True Value
Valuable item insurance doesn’t need to be complicated. We review your options in plain English, compare coverage structures, and help you choose the cleanest fit — not just the cheapest option. Our Jupiter-based team serves clients across Florida & Beyond with personal guidance and proactive coverage reviews.
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