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What is a schedule of loss in home insurance?
I’ve been pouring over my home insurance policy and trying to figure out what it all means. I came across an unfamiliar term—schedule of loss. What on earth is a schedule of loss in a home insurance policy?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A schedule of loss in home insurance is what your provider will reimburse you on a claim for something on which you’ve purchased additional coverage—called a schedule.
A schedule is just insurance-speak for a list, usually of add-ons, clarifications, or exclusions to your policy. For home insurance, this usually refers to scheduled personal property coverage, which is coverage purchased in addition to personal property coverage that specifically protects:
Loss refers to the amount that a home insurance provider will pay you on a claim you’ve filed. Thus, schedule + loss = schedule of loss.
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