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:

• Cameras 
  
• Collectibles (such as dolls, model trains, sports cards, comic books, and stamp and coin collections) 
• Computer equipment and software (personal use only) 
• Fine art (such as oriental rugs and paintings)
• Furs 
• Hearing aids and medical devices (such as insulin pumps, hearing implants, and artificial eyes and limbs) 
• Jewelry 
• Musical instruments 
• Silverware/goldware 
• Sports equipment

Features:

Worldwide Coverage

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.

Deductible

Generally there is no deductible for a personal articles policy, although deductibles are available if desired.

Optional Coverages

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.

Inflation Coverage

The amount of coverage is automatically adjusted annually based on the Consumer Product inflation index. Valuable items should be professionally reappraised regularly.

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