Home Insurance Guide
Scheduled personal property insurance in North Carolina
How scheduling high-value items on your NC homeowner's policy works, what standard coverage misses, and which items are worth scheduling.
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Your homeowner's policy has sublimits for specific categories of personal property, jewelry, firearms, silverware, collectibles, art. These sublimits are often much lower than the actual value of what you own. Scheduling individual items adds them to the policy at their appraised or agreed value, with broader coverage: typically no deductible, mysterious disappearance covered, and agreed value settlement rather than actual cash value. For anyone with items worth $2,000 or more, scheduling is usually the right move.
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Frequently asked questions
What is scheduled personal property coverage in NC?
Scheduled personal property (also called a personal articles floater or rider) lists specific high-value items individually on your homeowner's policy. Each item is insured at an agreed or appraised value with broader coverage than the base policy, typically covering theft, loss, mysterious disappearance, accidental damage, and breakage.
What items are worth scheduling on an NC homeowner's policy?
Engagement rings and fine jewelry, firearms, musical instruments, cameras and photography equipment, collectibles (coins, stamps, sports cards), fine art, furs, silverware, and antiques. Any item whose value exceeds the category sublimit on the base policy is a candidate.
Does scheduling an item eliminate the deductible in NC?
Yes, typically. Scheduled personal property coverage usually has no deductible, the full scheduled value is paid on a covered claim. This contrasts with the base policy, which applies your standard deductible to all claims.
How do I get items scheduled on my NC homeowner's policy?
Provide your agent with an appraisal (for jewelry and art), a purchase receipt, or a photo and description of the item. The carrier will set the scheduled value. For high-value items, a professional appraisal is the recommended approach. Update the schedule as values change.
Written & Reviewed By
Cooper Parsons
Owner & Licensed Independent Insurance Agent
NC License #19272643 · IronHaven Insurance · Wake Forest, NC · 25+ carriers
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Wake Forest, NC · Home & Auto
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Wake Forest, NC · Home Insurance
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