phrase · also: scheduled personal property, inland marine
scheduled articles
In plain English
Specific high-value items (jewelry, art, collections) listed individually on your policy with their own appraised values.
Standard homeowners caps jewelry coverage at $1,500-$2,500 total — a single ring can blow that. Scheduling each piece gives it its own limit, often agreed-value, and broader perils (mysterious disappearance, accidental damage).
What it covers
Items individually listed with appraisal-based values. Coverage is open peril and worldwide, including mysterious disappearance.
What it does not cover
It is NOT subject to the Coverage C personal property limit on your homeowners. Each scheduled item has its own dedicated limit.
Where it trips people up
Appraisals over 5 years old are usually rejected at claim time. Update jewelry appraisals every 2-3 years; art and watches depend on category.
The technical version
A method of insuring high-value personal property by individually listing each item with its agreed value, providing open-peril coverage on a worldwide basis.