We all have certain items of personal property that we just can't ever imagine losing.  You can protect the personal items that mean the most to you though through a scheduled or special personal property endorsement that's custom fitted to meet your personal needs.  Some items of personal property might be impossible to replace because of their present day value, or they're so close to your heart that they just can be replaced.  While these items might be covered on your homeowners policy, it's likely that you only have partial coverage.  Do you really want things insured for only 20 percent of what you paid for them?  That's why you'll want to think about special or scheduled endorsement coverage.

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