Did you know that your most treasured possessions may not be fully protected by your homeowners or renters insurance? While your policy may offer great coverage, it may require deductibles and have coverage limitations. Make sure your personal property is adequately covered against theft, accidental damage, or loss, by adding a Personal Property Policy to your portfolio.
A Personal Property Policy May Cover:
Coverage can apply anywhere in the world. When you go on vacation, items such as jewelry and cameras are covered
Replacement Cost Coverage
We'll pay the cost to repair or replace your property, without deduction for depreciation. The personal property policy insures against theft and accidental direct physical damage to covered property with only a few limitations and exclusions.
Generally there is no deductible for a personal articles policy, although deductibles are available if desired.
Broad Pair and Set Coverage
You will be covered for the full amount needed to replace an item of jewelry that may be part of a pair or set. For example, a pair of earrings would qualify for this coverage.
The amount of coverage is automatically adjusted annually based on the Consumer Product inflation index. Valuable items should be professionally reappraised regularly.