Itemized or scheduled coverage
This is the coverage for customers who want the most protection available.
Additional classes of property: Additional classes of property are available on a scheduled basis such as jewelry, stamp and coin collections, musical instruments and other valuable items.
Agreed value and no deductible: With an agreed-upon value for each item of fine art and jewelry and no deductible, the claims experience is straightforward and simple.…
Grouped or unscheduled coverage
Scheduling each item of personal property can be time consuming for you and costly for the customer. Grouped coverage provides an affordable and easy alternative, and it offers blanket coverage for a wide range of perils.
Grouped coverage is available for fine arts (including collectibles such as figurines), glass with breakage coverage, cameras, furs, jewelry and silverware.
Easy coverage: Customers can simply increase or decrease the blanket coverage limit as the amount of total property changes without having to modify schedules.
High limit and low deductible: High limits are available, subject to a maximum per-item limit of $5,000. A deductible of $500 applies per loss.