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Get coverage beyond your homeowners or renters policy to protect your valuable items. Ask your State Farm® agent if a Personal Articles Policy is right for you.
Anything that isn’t permanently attached to your home or your property is most likely considered personal property. Personal articles coverage may offer broader coverage than your existing homeowners policy, helping ensure you can protect those items you value (and even those you don’t).
While coverage protects your personal property for many loss situations, there are some exceptions. Your State Farm agent and items outlined in your policy will help you understand details about your personal property coverage.
Personal property doesn’t have to be in your home to be protected by your policy. Your coverage travels with you — whether you’re enjoying the vacation of your dreams or running weekly errands.
Personal property coverage applies anywhere in the world. When you go on vacation, items such as jewelry and cameras are covered (fine art items are only covered within the United States and Canada).
We'll pay the cost to repair or replace your personal property, without deduction for depreciation up to the applicable limit. The personal articles policy insures against theft and accidental direct physical damage to covered property with some limitations and exclusions.
Although available if desired, there generally is no deductible on a personal articles policy.
In addition to coverage for your engagement and wedding rings, we can cover your wedding gifts as well. Adding the Wedding Gift endorsement provides temporary coverage (before and up to 90 days after your wedding) to protect your gifts. Refer to the policy for a complete description of the Losses Not Insured.
Broad Pair and Set Coverage provides the full amount of the value specified on your policy needed to replace an item or items of jewelry that are 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.
This page contains only a general description of coverages and is not a contract. Details of coverage, coverage limits, optional coverages or services may vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
State Farm Fire and Casualty Company
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