08/27/2026
🏠 What Is Inland Marine Coverage on Your Homeowners Policy?
Did you know your homeowners policy may not provide enough coverage for some of your most valuable belongings?
Inland marine coverage is designed to provide broader protection for certain high-value items—often including things like:
💍 Jewelry
⌚ Watches
🎨 Fine art
🏌️ Golf equipment
🎸 Musical instruments
📷 Cameras & photography equipment
🪙 Collectibles
💻 High-value electronics
The key is scheduling your valuable items individually on your policy.
Why? Standard homeowners policies often have special limits of coverage for certain types of property. For example, you could have $200,000 of personal property coverage but only a fraction of that available for jewelry or other specifically limited items.
When you schedule an item, you can typically establish a specific amount of coverage for it and may receive broader protection, depending on the endorsement or policy.
💡 Example: You own a $10,000 engagement ring. Your homeowners policy may have a special limit for jewelry that is significantly less than $10,000. Scheduling the ring can help ensure it is properly insured for its value.
Bottom line: If you own something valuable enough that losing it would hurt financially, it’s worth asking your insurance agent whether it should be scheduled.
📞 Have questions about your homeowners coverage? Give me a call at 515-745-2191 or message me on Facebook. Let’s make sure your valuables are properly protected.
