What types of personal property have limitations in coverage on my homeowners insurance policy
There are items or valuables that may have limitations in your homeowners 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
Golfers 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.