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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.
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 AgentJewelry, collectibles1, fine art, furs
Cameras, computers and software, musical instruments, bicycles, silverware, sports equipment2
Hearing aids, medical devices, prosthetic devices, personal mobility devices and wheelchairs
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.
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.
The amount of coverage is automatically adjusted annually based on the Consumer Product Inflation index. Valuable items should be professionally reappraised regularly.
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.
Rare and antique collectibles can be valuable – make sure you’re protecting them and storing them properly.
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