What Is Unscheduled Personal Property Home Insurance? 
A homeowners policy provides a stated amount of coverage for personal property . This is `` unscheduled personal property . '' There is an option to purchase a floater where specific items will be insured to full value , and the deductible is not charged . This is called scheduled property . Not all property can be scheduled . It must be replaceable and the value set by a competent appraiser . This type of coverage is used most frequently for jewelry because the homeowners policy has a limit for coverage for jewelry . 