Protect your assets with a Personal Articles Policy
Get coverage beyond your homeowners or renters policy to replace your valuable items. Ask your State Farm® agent if a Personal Articles Policy is right for you.
Why you need insurance for your personal articles
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 repair or replace those items you value (and even those you don’t).
Talk to a local State Farm AgentItems a Personal Articles Policy may protect
Keepsakes
Jewelry, collectibles1, fine art, furs
Equipment
Cameras, computers and software, musical instruments, bicycles, silverware, sports equipment2
Health-related
Hearing aids, medical devices, prosthetic devices, personal mobility devices and wheelchairs
What a Personal Articles Policy doesn’t cover
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.
What if I’m not at home?
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 Articles Policy features
Worldwide coverage
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).
Replacement cost coverage
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.
Deductible
Although available if desired, there generally is no deductible on a Personal Articles Policy.
Optional coverages
Broad Pair and Set coverage3
You’ll be covered for 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.
Inflation coverage
The amount of coverage is automatically adjusted annually based on the Consumer Product Inflation index. Valuable items should be professionally reappraised regularly.
Wedding present coverage
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.
Simple Insights® from State Farm
Tips for collectible storage and display
Rare and antique collectibles can be valuable – make sure you’re protecting them and storing them properly.
What if my insurance is not enough to cover potential exposures?
You might want to consider a personal article insurance or personal liability insurance policy to help protect your possessions, home and future earnings.
1 Collectibles include such items as dolls, model trains, sports cards, comic books, and stamp and coin collections.
2 Sports equipment includes such items as equipment used with fishing, hunting, archery, skiing, scuba diving and snowboarding.
3 Coverage option not available in Texas
Disclosure
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
Bloomington, IL
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm County Mutual Insurance Company of Texas
Richardson, TX