Which endorsement would an agent recommend so an insured can schedule a $25,000 diamond ring and a $10,000 fine art collection with broader coverage and no theft sublimit?
Explanation
The Scheduled Personal Property Endorsement (also known as a personal articles schedule or inland marine floater) lists specific high-value items by description and limit, providing broader, often open-perils coverage and avoiding the Coverage C sublimits on jewelry, fine art, firearms, and similar property. Ordinance or law covers building code costs, RC endorsement upgrades the settlement basis, and the earthquake endorsement covers earthquake.
Law Reference: ISO Dwelling Property forms — endorsementsThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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