You can "schedule an item or items," also known as adding an "insurance rider" to your policy. That simply means you're adding a specific item or items to your policy. You may want to schedule an item or items if the value exceeds your personal property insurance policy's sub-limits. Scheduling items will likely raise your premium, but it may help ensure you're adequately covered. Depending on the value of each item, the insurance company may ask you to provide an appraisal and a clear photo of the item you are scheduling.