Can you tell me reason(s) why fine arts need to be scheduled? It's been a long time since I handled much personal lines or went to a CIC personal lines class.
I know jewelry and guns and some other classes have sublimits for theft, but that doesn't apply to fine arts. If I have an H0-5 that provides all risk (or "open perils") on contents and I have high enough limits for personal property, what other benefit is their to scheduling fine arts.
I didn't find the right solution from the internet.