Scheduled personal property, often referred to as a "personal property floater" or "personal articles floater," is an insurance provision that allows you to specifically list and provide additional coverage for high-value items or personal belongings that may not be adequately protected by your standard homeowners or renters insurance policy.

Scheduled personal property coverage offers tailored protection for your most valuable belongings, and it can provide peace of mind in the event of loss, theft, or damage to these items. It's essential to consult with your insurance provider to determine if you need this additional coverage and to establish the agreed-upon value for your valuable possessions.

While personal property coverage in homeowners or renters insurance can provide valuable protection for your belongings, it's essential to be aware of what is typically not protected by this coverage. It is crucial to read and understand your insurance policy to know the specific exclusions and limitations. If you have valuable items or unique circumstances, consider additional endorsements, scheduled personal property coverage, or separate policies to ensure proper protection.

Getting into a car accident can be a stressful and unsettling experience, but knowing what to do in the aftermath is crucial for your safety and well-being. Here are the steps to take if you're involved in a car accident:
1. Check for Injuries: First and foremost, check yourself and others involved for injuries. If anyone is hurt, call 911 for immediate medical assistance.
2. Contact Law Enforcement: Call the police to report the accident, even if it's minor. An official police report can be essential for insurance claims and legal purposes.
3. Gather Evidence: If it's safe to do so, take photos of the accident scene, vehicle damage, and the position of vehicles. This can be valuable for insurance claims.
4. Cooperate with Authorities: Comply with the instructions of law enforcement and provide accurate information. Avoid admitting fault, as fault determination is typically handled by insurers.
5. Contact an Attorney: If there are injuries or significant property damage, you may want to consult with an attorney, especially if liability or compensation is in question.

Dealing with a car accident can be complex, but following these steps can help ensure your safety and set you on the path to resolving any insurance or legal matters that may arise. Always follow the guidance and instructions of law enforcement and your insurance company.