Scheduled personal property
An add-on that insures high-value items — jewelry, art, watches, firearms — above your policy's standard category sub-limits.
A standard homeowners policy quietly caps how much it will pay for certain categories — jewelry and watches are often limited to around $1,500 for theft, with similar sub-limits on art, firearms, silverware, and collectibles. Scheduled personal property (also called a 'floater' or 'rider') lists each valuable item individually, usually with an appraisal or receipt, and insures it for its full value with broader coverage and often no deductible. Building a [home inventory](/glossary/home-inventory) is what surfaces the items worth scheduling — once you see a $9,000 ring sitting under a $1,500 cap, the fix is obvious.