The specific homeowners insurance endorsement used to insure high-value items—such as jewelry, fine art, firearms, and furs—is a "scheduled personal property endorsement" or a "personal articles floater." Standard homeowners policies limit coverage for theft or loss of valuable categories to small amounts like 1,500 or 2,500 dollars. By scheduling these items individually and attaching a personal articles floater with a written appraisal, the policy provides full-value coverage without standard deductibles and protects the items against a broader array of accidental losses, including damage or mysterious disappearance.
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