Valuables coverage that's actuallyclearfairyoursplainclear
Jewelry, art, wine, and firearms hit low caps on a standard home policy. Scheduling them buys agreed value and drops the deductible to zero. We explain it and shop it across carriers.
Valuables coverage, line by line.
How scheduling works, and why it beats relying on your home policy.
| Coverage | What it covers | Good to know |
|---|---|---|
| Agreed value | A set payout you and the carrier agree to up front | No depreciation fight at claim time |
| All-risk coverage | Mysterious loss, damage, and theft | Broader than a home policy's named perils |
| No deductible | Scheduled items usually pay from the first dollar | Unlike the deductible on your home policy |
| Worldwide protection | Coverage that travels with the item | Useful for jewelry and watches you wear out |
| Pairs and sets | Fair treatment when one of a set is lost | Read how the carrier handles a partial loss |
| Newly acquired | A grace window to cover new purchases | Add the appraisal before the window closes |
An appraisal or receipt sets the scheduled value. We help you assemble what the carrier needs.
Just bought something worth scheduling? Send us the appraisal and we will cover it, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Valuables coverage, answered.
The questions collectors ask before they schedule.
Only up to a low category cap, often a few thousand dollars total, and usually only for named perils. Scheduling the item raises that to its full value and broadens what is covered. We show you the gap.
For higher-value items, usually yes, or a detailed receipt. It sets the agreed value so there is no argument at claim time. We tell you what each carrier requires.
Scheduled items typically pay from the first dollar, no deductible, which is a real upgrade over the deductible on your home policy.
Yes. Scheduled coverage generally follows the item worldwide, so a watch or ring is protected on a trip, not just at home.
Large collections often belong on a high-value approach with a specialty carrier. We will tell you when you have crossed that line.
Ready when you are