Extra Protection for Your Valuables

Your homeowners or renters insurance may not offer enough coverage for your most valuable possessions. A personal articles policy provides broader financial protection against theft, accidental damage, or loss, giving you peace of mind wherever life takes you.

Why Consider a Personal Articles Policy?

Anything that isn’t permanently attached to your home or land is likely considered personal property. However, most standard insurance policies have coverage limits on certain items. A personal articles policy ensures your valuable possessions have the extra protection they deserve.

What Items Can a Personal Articles Policy Cover?

Keepsakes & Collectibles

Electronics & Equipment

Cameras, lenses, and drones
Personal-use computers and software
Musical instruments
Racing and electronic assist bicycles
Sports equipment (golf clubs, skis, etc.)
Silverware and valuable dinnerware

Health-Related Devices

Key Features of a Personal Articles Policy

Worldwide Coverage

Your policy follows you, whether you’re traveling for business, on vacation, or simply running errands. (Fine art coverage is limited to the U.S. and Canada.)

Replacement Cost Coverage

Covers the full cost to repair or replace your item without deducting for depreciation.

No Deductible (In Most Cases)

Unlike standard homeowners or renters insurance, personal articles policies typically do not require a deductible for covered losses.

Coverage for Accidental Loss

Unlike standard policies, personal articles insurance covers accidental loss, such as losing a piece of jewelry or dropping a camera.

Optional Coverages for Extra Protection

Broad Pair & Set Coverage

Covers pairs or sets, like earrings or matching collectibles. If one is lost or damaged, you can receive compensation for the full value of the set in exchange for the remaining item.

Inflation Protection

Automatically adjusts your coverage amount based on inflation trends. Consider getting items professionally reappraised to ensure adequate protection.

Wedding Present Coverage

Protects your wedding gifts up to 90 days after your wedding with the Wedding Presents endorsement.

Frequently Asked Questions About Personal Articles Policies

Does my homeowners or renters insurance cover my valuable items?

Standard policies provide limited coverage for certain high-value items, which may not be enough to replace them. A personal articles policy offers broader protection with higher coverage limits.

What’s the difference between personal property insurance and a personal articles policy?

Personal property insurance covers all belongings under a general limit, while a personal articles policy schedules specific valuable items with their own separate coverage amounts.

When should I get a personal articles policy?

If you own high-value items that exceed the limits of your homeowners or renters policy, a personal articles policy can provide broader protection with higher coverage limits and no deductible in most cases.

How much does personal articles insurance cost?

The cost is based on the value of the items insured, typically calculated per $100 of coverage. Rates vary depending on where you live and the type of property you are insuring.

Can I insure items not listed on this page?

Absolutely! If you have other valuables you’d like to protect, we can help you find coverage.

Where do I file a claim?

Claims can often be filed on the carrier website or through our office for a smooth, hassle-free experience.

Find the Right Coverage for Your Valuables

We believe in educating you on your options, providing white-glove service, and shopping with multiple insurers to find you the best protection at the best price.

Let’s protect what matters most to you today!

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