Which of the following items is typically covered by Scheduled Property Endorsements?

Scheduled Property Endorsements are designed to provide specialized coverage for high-value items that may not be adequately protected under a standard homeowners policy. Jewelry, fine arts, and other valuable personal property often require specific endorsement because they are more susceptible to theft, loss, or damage and typically exceed the coverage limits of a standard policy.

In the context of the other items listed, furniture and appliances, while important, are generally covered under a standard homeowners insurance without the need for a scheduled endorsement. Personal liability claims pertain to coverage for damages caused to another person or property, which falls under the liability section of an insurance policy—not scheduled endorsements. Regular clothing and household items, like furniture and appliances, are also typically included in standard coverage without needing additional endorsements.

Thus, the correct answer, jewelry and fine arts, signifies the specific items that benefit from the added protection of Scheduled Property Endorsements, ensuring appropriate coverage for valuable possessions.