F all is an exciting time for new beginnings. The foliage might inspire you to become a photographer. You might join a seasonal
sports league. You might even get married.
No matter how you plan to enjoy the season, you
might find yourself investing in valuable items such
as camera gear, sports equipment or an engagement
Educators Insurance Agency is ready to help
ensure you’re covered for all of your high-value
items under the Scheduled Personal Property
Endorsement so you can continue to enjoy them at
It’s important to consult with a licensed adviser
at Educators before you invest in valuable pieces
of property so that the coverage included in your
current policy can be reviewed.
The Scheduled Personal Property Endorsement
extends beyond what is available under a basic
policy, providing coverage for physical loss
and eliminating deductibles. While adding this
endorsement may result in a higher premium, it adds
benefits that are not usually covered under your
homeowner’s policy to further the reach of your
Your personal property investments create value
as well as risk. With the endorsement, you can enjoy
your valuables without having to worry about them
accidentally breaking or being lost. For example,
accidentally losing your wedding ring while working
out at the gym would be covered as scheduled
A few of the items that may be included under
the Scheduled Personal Property Endorsement are:
To insure such belongings under personal
property coverage, you would need to identify each
item you want included.
An extension to this endorsement is the
Scheduled Personal Property Agreed-Amount
This coverage values your property according
to its appraised amount, ensuring that you’re
fully covered. Insuring property with this
endorsement requires you to list the appraised
amount for each item you want covered so that an
appraisal can be agreed upon before designating it
on your policy.
While items such as your wedding ring may
have a consistent value, other items such as fine
art or collectibles may fluctuate in value over time
— so regular appraisals by an expert are prudent
measures to take to ensure that you aren’t paying
too much or too little for your scheduled property.
Licensed representatives at Educators Insurance
are available at your convenience, from 7 a.m. to
midnight Monday through Friday and from 9 a.m. to
5 p.m. on Saturdays. Representatives can help ensure
that you have the coverage you need to protect your
lifestyle — and your valuables.
Please call 888.908.6822 today or visit
www.educatorsinsuranceagency.com to learn more.
All products are underwritten by The Hanover Insurance Company
or one of its insurance company subsidiaries or affiliates (“The Hanover”).
Coverage may not be available in all jurisdictions and is subject to the
company underwriting guidelines and the issued policy. This material is
provided for informational purposes only and does not provide any coverage.
Educators Insurance Agency (EIA) is a member of The Hanover Insurance
Group. For more information about The Hanover, visit www.hanover.com.
EIA also offers products through Andover Insurance Company, which is not a
member of The Hanover Insurance Group, Inc. LC 2017-379
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