Specialized Coverage for the Things That Matter Most
Standard policies cap what they'll pay for valuables. A personal articles policy schedules your most treasured items by appraised value — so they're protected the way they deserve.
What a personal articles policy can cover
From heirlooms to hobbies, we'll help you schedule the items that need more than a standard policy offers.
Jewelry & Watches
Scheduled protection for engagement rings, fine watches, and heirloom pieces — often with no deductible.
Fine Art & Collectibles
Coverage for paintings, sculptures, and curated collections based on appraised value.
Cameras & Electronics
Protection for high-end cameras, lenses, drones, and audio equipment used at home and on the go.
Musical Instruments
Coverage for valuable instruments, including performance and travel use, beyond a standard policy's limits.
Worldwide Protection
Most scheduled items are covered wherever you take them — at home, on vacation, or in transit.
Mysterious Disappearance
Many policies cover lost items, not just theft or damage — a key advantage over standard homeowners limits.
Is a personal articles policy right for you?
If a single item is worth more than the sublimit on your homeowners or renters policy, scheduling it separately is usually the smarter way to protect it. We'll help you review what to schedule and how much coverage makes sense.
- Engagement rings, wedding bands, and fine watches
- Inherited or collected art and antiques
- High-end cameras, drones, or musical instruments
- Items you travel with or wear daily
Already have a homeowners or renters policy?
We'll review your current sublimits and help you decide which items deserve their own scheduled coverage.
Request a Coverage ReviewProtect what standard limits won't
Schedule your valuables with coverage built around their true worth.
Get a Personal Articles Quote