If your policyholder needs higher limits for specific categories of valuables (see what’s included here) but does not want to schedule individual items, the Blanket Contents Coverage Endorsement can be added on top of the standard Coverage C limits. This endorsement can be applied using the Coverage tab for primary residence and secondary / seasonal policy types.
Openly offers up to $100,000 in blanket coverage across 14 distinct categories—giving your clients broader options and higher limits for specialized collections without requiring up-front appraisals.
Policy Guidelines and Scope
- Stackable Protection: Blanket coverage is additional to standard Coverage C limits. It stacks on top of any standard sub-limits built into the base policy.
- Per-Item Limit: Covers up to $25,000 for any single item. (Note: Any single item valued over $25,000 must be scheduled individually to ensure full coverage).
- No Upfront Paperwork: No receipts, line-item appraisals, or individual scheduling are required to add a blanket category for items under $25,000.
- Coverage Scope: Applies to personal property owned by the Named Insured, whether kept at the residence premises or temporarily away.
- Policy Terms: Provides Open Perils coverage, settles on a Replacement Cost (RC) basis, and features a $0 deductible.
When to Use This Endorsement
- For specialized collections in which individual items are valued at under $25,000.
- For policyholders who prefer RC settlement over agreed or market value.
- For policyholders who want to skip paperwork and appraisals during onboarding.
Blanket Contents Property Categories and Limits
| Property Category | Available Limits | Deductible |
|---|---|---|
| Jewelry | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Furs | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Cameras | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Musical Instruments (not used for business/compensation) | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Computers | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Silverware | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Fine Arts (unique piece or limited reproduction) | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Wine | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Firearms | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Fine China & Crystal | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Rare Coins | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Stamps | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Trading Cards | $5,000 to $100,000 (In $5,000 increments) | $0 |
| Other Collectibles (pencils, bottles, figurines, plates, comic books, thimbles, dolls, trains, and/or stuffed animals) | $5,000 to $100,000 (In $5,000 increments) | $0 |
Learn more about other included coverages.
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