Scheduled Items

Insurance Resource of Michigan, partnered with Berkshire Hathaway HomeServices of Michigan, is an independent insurance agency specializing in personalized insurance. We provide insurance protection to give you and your family the peace of mind to enjoy life. Our services take the burden of choosing the right insurance products and makes it easy and stress free.

Scheduled Items Information

What are scheduled items? 

Additional coverage that’s over and above the typical coverage in a homeowners’ insurance policy. Scheduled personal property protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim. Examples include:

• Antiques
• Guns
• Musical Instruments
• Cameras
• Fine Arts
• Phones
• Collections
• Hearing Aids
• Silverware
• Computers
• Jewelry
• Sports Equipment

How does this work? 

When scheduling an item, a deductible normally will not apply. All items scheduled will be covered if they are lost, stolen or break.

How much will I be reimbursed for? 

To make sure you are covered up to replacement value, you should get appraisals or current replacement value when scheduling the item. It is best to get jewelry appraisals done every 3 years since the cost of gold fluctuates so much. The more information provided for each item such as serial numbers, makes/models, the better it is to prove replacement value.

Make sure to talk to us about any items you may want to schedule or if you have questions about scheduling!