"Scheduling" high value items in your home insurance policy
High value and unique items are required to be "scheduled" in your home insurance policy. Most policies have limitations for special category items such as artwork, antiques, and collections. When the value of your special item is in excess of this limit, the item requires an up to date stand alone appraisal, known as "scheduling" the item. The claims process is much facilitated when this documentation is in place before the fact, rather than after the loss.