Scheduled Personal Property Insurance in South Carolina
Some belongings are simply too valuable to rely on standard homeowners or renters insurance alone. Scheduled personal property insurance offers added protection for high-value items like jewelry, silver, firearms, artwork, antiques, collectibles, and more—covering them against loss, theft, or damage that may not be fully addressed by your base policy.
Hutson-Etherredge Companies helps South Carolina residents protect their most prized possessions with coverage designed to keep their valuables secure, whether at home or on the go.
What Does This Insurance Cover?
High-value items
Provides dedicated coverage for jewelry, silverware, firearms, fine art, antiques, collectibles, and other specified valuables.
Broader protection
Covers losses that may be excluded from standard policies, such as accidental loss or mysterious disappearance.
Appraised value coverage
Allows an item to be scheduled for an appraised or stated amount coverage.
Worldwide coverage
Applies whether the item is lost or damaged at home, in transit, or while traveling.
No or low deductible options
Some scheduled items may be covered without a deductible, helping you recover quickly.
Why You Need It
Standard policies have limits
Most homeowners and renters insurance policies cap coverage on valuables, often far below their true worth.
Offers compensation for for irreplaceable items
From engagement rings to heirlooms, this policy helps provide compensation for the things that matter most.
Helps avoid disputes during claims
Itemized documentation makes claims smoother and reduces uncertainty about value.
Do I need an appraisal for scheduled property coverage?
Yes. Most insurers require a recent appraisal or receipt for high-value items to determine their insured amount.
Is scheduled property coverage only for homeowners?
No. Renters and condo owners can also add scheduled personal property coverage to their existing policy.
What kinds of items should be scheduled?
Items that have a high value, items that are hard to value, or items that you may want to agree on what they are worth in case a loss happens. Common items include jewelry, silverware, fine arts, musical instruments, rare books, camera equipment, firearms, and collectibles.
Get a Quote for Scheduled Personal Property Insurance
Don’t leave your most valuable possessions underinsured. Hutson-Etherredge Companies can help you protect the items that matter most with scheduled property coverage.
Call us today at
803-649-5141
or click below to request your free quote.