Personal Articles Coverage

Protect Your Valuables with Personal Articles Coverage

From jewelry to collectibles, you might have more valuables than you realize.  And even though you have a homeowner’s policy, not all valuables you own may be covered or covered to their full value when lost, stolen or damaged.

What is a Personal Articles Policy?

Separate from any homeowner’s or renter’s policy, personal articles policies give extra protection and coverage to your more valuable items. These policies are great for items that you do not want to go missing. 

How are items replaced?

Whether or not your item will be replaced is dependent upon the specific policy. Jewelry and most other items are usually covered at replacement cost. Meaning instead of a check, the insurance company will find you a new item at the same cost your missing item was last valued at.

Because of this, adding personal article coverage to further protect important and valuable items you own or may have just received over the holidays, will give you the extra peace of mind you deserve.

 Items that can be insured:

  • Jewelry, Watches, and Precious Stones
  • Antiques
  • Fine Art
  • Wedding Gifts
  • Cameras
  • Computers
  • Guns
  • Silverware, China, and Crystal
  • Musical Instruments


How do I know if I need to ensure a valuable item?

If you are on the fence about whether or not one of your items needs insuring, then ask yourself if you could replace that item with very little cost. If you answered no, then you should contact us to receive an insurance policy.

Other personal items may qualify for coverage, so don’t hesitate to ask about any items you want to be considered. The first of the year is also a great time to update your current policy and have your item’s amounts reflect their current market values.

Personal Articles coverage is not something to dismiss as the industry has seen an increase in claims in recent years. With all policies being different, please contact us today for a consultation with one of our Personal Risk Advisors.

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