Valuable Items Coverage in Tennessee—Protection Beyond Standard Policy Limits

When One Item Matters More Than the Rest

Standard homeowners and renters insurance policies often include sub-limits for valuable categories like jewelry, fine art, or collectibles. That means one important item—such as an engagement ring or heirloom—may not be fully covered. Valuable Items Coverage, also known as scheduled personal property insurance, increases coverage for specific items with clear, item-level protection.

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What Can Be Covered

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Jewelry & Engagement Rings

Protection beyond standard jewelry sub-limits.

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Fine Art & Collectibles

Coverage for paintings, sculptures, and collectible items.

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Musical Instruments

Protection for personal or performance instruments.

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Watches & Luxury Accessories

Higher limits for valuable personal items.

Endorsement vs. Standalone Policy

  • Scheduled Property Endorsement

    Added to your homeowners or renters policy to increase limits for listed items.

  • Personal Articles Floater (Standalone Policy)

    A separate policy designed specifically for high-value items, often offering broader protection and higher limits.

We’ll help you compare both options and choose the simplest solution that fits your needs.

Keep Values Current

Values change over time, and insurance should keep pace. We offer quick annual reviews to update scheduled values as markets shift, add newly acquired items, and confirm your coverage still aligns with your lifestyle and risk exposure. For higher-value needs, we can also access premium carriers such as Chubb when appropriate—ensuring your protection evolves as your assets do.

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Valuable Items Coverage FAQs

  • Does homeowners insurance cover jewelry and engagement rings?

    Coverage is often limited. Scheduling increases protection for individual items.

  • What is scheduled personal property coverage?

    It’s item-specific coverage that lists valuables individually with higher limits.

  • Is a personal articles floater worth it?

    For high-value items, it often provides broader protection and fewer coverage gaps.

  • Do I need appraisals?

    Often yes, especially for jewelry, art, or collectibles of higher value.

Not Sure If Your Items Are Fully Covered?

We’ll review your current policy and identify where additional protection makes sense.

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Let's Talk

Protect What Matters Most—With Clarity

From jewelry and art to instruments and collectibles, The Bill Yon Agency helps Tennessee clients protect valuable items with coverage that’s clear, current, and tailored.