While most homeowners policies provide coverage for personal property such as jewelry, fine arts, furs, guns, and musical instruments, there are often limits on the amount of coverage and the covered causes of loss. These limits can leave coverage gaps, and if you experience a loss, you could be paying the difference out of your own pocket.
Scheduled Personal Property coverage from Central offers insurance protection for these types of valuable personal property. With Scheduled Personal Property coverage you'll receive broader coverage on an all-risk basis, which will help you fill some of these exclusions and gaps. Coverage can be written on an Itemized (Agreed Value) basis or a "blanket" basis. Loss settlement is based on the type of coverage selected.
To learn more about Central's Scheduled Personal Property coverage, or for an insurance quote, contact your independent insurance agent.
The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central agent.