Scheduled personal property is a personal property coverage that provides specific protection for high-value personal belongings, such as jewelry, artwork, collectibles, and other high-value possessions.

In a standard policy, coverage for items in a home may have limits and exclusions that might not be sufficient to afford the loss or damage of these high-value items, such as jewelry or artwork.

This protection allows for the addition of these high-value items to the policy and the establishment of a declared value for each item.

The insured must provide a detailed description of the personal articles, their estimated value, and in some cases, a professional appraisal may be required.