SCHEDULED PERSONAL PROPERTY · GEORGIA

Georgia scheduled personal property insurance for what your homeowners policy sub-limits.

Every homeowners policy has sub-limits on jewelry, firearms, fine art, cameras, musical instruments, collectibles, and silver. Scheduling the piece removes the sub-limit, broadens the perils, and usually drops the deductible to zero. This is how serious items actually get covered.

Free Coverage Review

WHAT'S COVERED

What a Georgia scheduled personal property endorsement covers

Broader Perils (All-Risk)

Scheduled items are covered all-risk: anything not specifically excluded. Base homeowners is named perils with sub-limits.

Zero Deductible

Most carriers waive the policy deductible on scheduled items. A $300 loss pays $300, not reduced by a $1k deductible.

Agreed Value

Schedule with appraisal and the carrier agrees to that value at loss. Without it, payout is actual cash value or depreciated.

Worldwide Coverage

Covers scheduled items anywhere in the world. Loss types include theft from a hotel, in-transit damage, and mysterious disappearance.

Broader Perils (All-Risk)

Scheduled items are covered all-risk: anything not specifically excluded. Base homeowners is named perils with sub-limits.

Zero Deductible

Most carriers waive the policy deductible on scheduled items. A $300 loss pays $300, not reduced by a $1k deductible.

Agreed Value

Schedule with appraisal and the carrier agrees to that value at loss. Without it, payout is actual cash value or depreciated.

Worldwide Coverage

Covers scheduled items anywhere in the world. Loss types include theft from a hotel, in-transit damage, and mysterious disappearance.

IMPORTANT LIMITATIONS

What scheduling does not cover

Unappraised items

Carriers require a current appraisal for jewelry, fine art, and most collectibles above a modest threshold. No appraisal, no scheduling. Keep appraisals current within 3 to 5 years.

Wear, tear, and gradual damage

Scheduling does not pay for wear of prongs, tarnish, frame deterioration, or normal aging. Standard exclusion across every carrier.

Items used commercially

Business use of scheduled items (instruments played for income, cameras used in a paid photography practice) usually requires commercial scheduling or inland marine coverage.

Intentional acts and criminal acts

Standard exclusion. Deliberate damage to scheduled items is not covered.

IMPORTANT LIMITATIONS

What scheduling does not cover

Unappraised items

Carriers require a current appraisal for jewelry, fine art, and most collectibles above a modest threshold. No appraisal, no scheduling. Keep appraisals current within 3 to 5 years.

Wear, tear, and gradual damage

Scheduling does not pay for wear of prongs, tarnish, frame deterioration, or normal aging. Standard exclusion across every carrier.

Items used commercially

Business use of scheduled items (instruments played for income, cameras used in a paid photography practice) usually requires commercial scheduling or inland marine coverage.

Intentional acts and criminal acts

Standard exclusion. Deliberate damage to scheduled items is not covered.

Georgia scheduled personal property insurance for what your homeowners policy sub-limits.

What a Georgia scheduled personal property endorsement covers

Broader Perils (All-Risk)

Zero Deductible

Agreed Value

Worldwide Coverage

Broader Perils (All-Risk)

Zero Deductible

Agreed Value

Worldwide Coverage

What scheduling does not cover

Unappraised items

Wear, tear, and gradual damage

Items used commercially

Intentional acts and criminal acts

What scheduling does not cover

Unappraised items

Wear, tear, and gradual damage

Items used commercially

Intentional acts and criminal acts

Carriers We Use for This Coverage

Chubb

Travelers

AIG

Jewelers Mutual

Openly

Common questions

What does a free coverage review actually involve?

Is Olive Cover going to try to sell me something?

My renewal went up. Should I shop around?

What is the difference between my insurance carrier and my insurance agent?

Send the appraisals. We will build the schedule.

Olive Cover