Scheduled Personal Property Insurance in Salt Lake City, UT

Protect your valuable belongings with comprehensive, affordable, and flexible scheduled personal property insurance plans.

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In Salt Lake City, scheduled personal property insurance is an optional but important part of your homeowner’s insurance policy and protecting your valuables. While basic homeowner’s insurance will cover some of your personal property, there are often limits to this coverage so you may still face high out-of-pocket costs if you need to repair or replace your property.

When you’re deciding on a scheduled personal property insurance plan, you likely have many questions. We’re here to help provide these answers and find you a plan that works for you.

What are the benefits of scheduled property insurance?

Scheduled personal property insurance provides more extensive coverage for the loss or damage of your property than standard home insurance.

For example, your basic homeowner’s insurance may cover the theft of your wedding ring, but if your wedding ring is lost down the sink, your homeowner’s insurance likely won’t cover it.
That’s where scheduled property insurance comes in. If that ring was on your itemized list of valuables, you’ll have better coverage than you would with just your basic homeowner’s insurance.

Another benefit of scheduled property insurance is that it often has a low or non-existent deductible. So, in the event you need to make a claim, you’ll face even lower out of pocket costs than you would with your homeowner’s insurance.

Additionally, scheduled personal property insurance offers you the cost of replacing your lost or stolen property, rather than its cash value as is the case with homeowner’s insurance claims. This means depreciation is not considered and you’re likely to receive a higher payout.

What does scheduled property insurance cover in Salt Lake City?

When you purchase scheduled personal property insurance, you provide an itemized list of your most valued possessions, and you’ll tend to be covered for a greater number of risks and higher coverage limits.

This list of items will vary for every homeowner, but they can include items such as:

  1. Jewelry
  2. Furs and costumes
  3. Art, antiques, sculptures
  4. Stamp or coin collections
  5. Firearms
  6. Musical instruments
  7. Cameras

The nature of many of these items means their value fluctuates. Regular appraisals are recommended to make sure your claims are accurate.

Contact Salt Lake City Insurance today to learn more about scheduled property insurance and we’ll help you find a plan that suits your needs and your budget.

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SALT LAKE CITY INSURANCE GROUP is your best option for comprehensive and budget-friendly coverage in the area. Our fast and friendly service saves you valuable time and money in finding the coverage you require for your family, your business, and your property. Contact us now to get started.

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