What types of personal property have limitations in coverage on my homeowner’s insurance policy

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
semi-precious stones
• 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.

Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

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