Wealth Defense
Scheduled Personal Property Coverage
Jewelry, art, watches, and collectibles need scheduling — base home policies cap at $1k–$2k per item.
Executive Summary
Jewelry, art, watches, and collectibles need scheduling — base home policies cap at $1k–$2k per item. This wealth defense brief synthesizes peer-reviewed research, regulatory data (NAIC, BLS, Federal Reserve SCF, FEMA, SSA), and InsuranceQuoteToolkit's proprietary HRI and FSI scoring models. Use it as a decision-grade reference — not a marketing overview.
Key Takeaways
- Schedule items over $2k
- Annual appraisal updates
- Worldwide + mysterious-disappearance coverage
- Use private-client carrier for collections
Research-Backed Guidance
The findings above draw on multi-source household-resilience research. Our review process triangulates federal data sets (BLS Consumer Expenditure, Federal Reserve SCF, NAIC market conduct filings), longitudinal academic studies, and the InsuranceQuoteToolkit national resilience panel. Read our methodology center for full scoring and weighting details.
- • Federal Reserve Survey of Consumer Finances — liquidity & net worth distributions
- • Bureau of Labor Statistics CEX — household burn-rate baselines
- • NAIC consumer publications — coverage prevalence and gap analytics
- • FEMA National Risk Index — geographic peril exposure
Practical Recommendations
- Photograph + appraise every 24 months
- Cloud-store appraisals + receipts
Action Checklist
Print or screenshot this list. Move from a Moderate to Strong tier on the relevant index by completing each item within 60–90 days.
- 1Schedule items over $2k
- 2Annual appraisal updates
- 3Worldwide + mysterious-disappearance coverage
- 4Use private-client carrier for collections
- 5Photograph + appraise every 24 months
- 6Cloud-store appraisals + receipts
FAQ
Is base home coverage enough?
No — most caps total below $5k for jewelry across all incidents.