1. 255 POINTS
    Randy Lamm
    Most home insurance policies provide minimal coverage for items such as jewelry; but it is minimal coverage and your deductible will apply. However, most home insurance companies allow these types of items to be scheduled on the policy. Scheduling allows you to select the amount of insurance for each item scheduled; and it also usually allows for broader coverage and in some cases there is no deductible. 

    Insurance is different in every state and every policy is different. For starters, make sure to review with your professional insurance agent to select the right policy, and then review to see if scheduling any items is beneficial to your situation.
    Answered on April 1, 2014
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