When it comes to protecting your most valuable belongings, standard homeowners or renters' insurance might not be enough. High-value items like jewelry , fine art, antiques, or collectibles often exceed the coverage limits of a standard Policy. This is where scheduled personal property insurance comes into play, offering the additional protection you need for your prized possessions.

Scheduled personal property insurance allows you to extend coverage for specific high-value items by listing them individually (or “scheduling” them) on your policy. This type of insurance ensures these items are insured at their appraised value, offering protection from loss, theft , or damage without the limitations of standard policies.

Higher Coverage Limits: A typical home insurance policy might cap coverage for certain valuables at a few thousand dollars. Scheduling personal property lets you raise the coverage limit to the appraised value of the item. All-Risk Coverage: Scheduled items are often covered against a broader range of risks, including accidental loss—something standard policies usually exclude. No Deductible Options: In many cases, you can choose to have no deductible applied to scheduled items, meaning you’ll receive the full payout if you file a claim. Worldwide Protection: Whether you’re at home in Tempe or traveling the world, your scheduled items are often protected.

Some examples of items you might want to schedule include:

Engagement rings and wedding bands Fine art and rare collectibles Musical instruments Designer watches Sports memorabilia

If you own valuables whose worth surpasses the coverage limits of your standard policy, scheduling them ensures comprehensive protection. It’s especially useful for residents of areas like Phoenix or Scottsdale , where luxury items and collectibles are common assets.

At Riseson Insurance , we understand the unique needs of homeowners and renters in cities like Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler. Our team can help you assess your insurance needs, determine which items require scheduling, and secure the best coverage for your valuables.

To add scheduled personal property coverage to your policy:

Take Inventory: List all high-value items you’d like to protect. Appraise Your Items: Obtain professional appraisals to determine their current value. Contact Your Agent: Reach out to a trusted insurance provider like Riseson Insurance to discuss your options.

Your valuables deserve the best protection possible. Don’t leave them vulnerable to gaps in coverage. Reach out to Riseson Insurance in Tempe today to learn more about scheduled personal property insurance. Call us at 602-460-5470 or visit our website for personalized assistance.

What is Scheduled Personal Property Insurance?

Key Benefits of Scheduling Personal Property

Items to Consider Scheduling

Do You Need Scheduled Personal Property Insurance?

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How to Get Started

Protect Your Treasures Today!

1. Higher Coverage Limits: A typical home insurance policy might cap coverage for certain valuables at a few thousand dollars. Scheduling personal property lets you raise the coverage limit to the appraised value of the item.
2. All-Risk Coverage: Scheduled items are often covered against a broader range of risks, including accidental loss—something standard policies usually exclude.
3. No Deductible Options: In many cases, you can choose to have no deductible applied to scheduled items, meaning you’ll receive the full payout if you file a claim.
4. Worldwide Protection: Whether you’re at home in Tempe or traveling the world, your scheduled items are often protected.

• Engagement rings and wedding bands
• Fine art and rare collectibles
• Musical instruments
• Designer watches
• Sports memorabilia

1. Take Inventory: List all high-value items you’d like to protect.
2. Appraise Your Items: Obtain professional appraisals to determine their current value.
3. Contact Your Agent: Reach out to a trusted insurance provider like Riseson Insurance to discuss your options.