There are items or valuables that may have limitations in your homeowner’s policy.
Some items include:
• Jewelry: wedding rings, pendants, bracelets, watches, precious and
• Furs: real fur garments and garments trimmed with real fur
• Cameras: digital, still, movie, video and equipment
• Musical instruments: professional3 and non-professional
• Silverware: includes silverware, silver, gold, gold ware, and pewter ware
• Fine Arts: includes paintings, etchings, vases and sculptures
• Manuscripts and books, antique silver, bronzes and antique furniture
• Golfer’s equipment: matched sets of golf clubs, clothing and equipment
• Sports equipment including fishing gear, archery and hunting gear
• Stamp or coin collections
If you have any of these items or other valuable items you should discuss scheduled personal property (SPP) coverage with your agent and refer to your policy for the specific limitations. In most cases a recent appraisal of the item will be needed to determine the value.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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