Additional Coverage for Your Special Items

Protect Your Valuables with a Personal Articles Policy

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 State Farm® Personal Articles Policy.

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Personal Articles 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


Worldwide Coverage

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 property, without deduction for depreciation. The personal articles policy insures against theft and accidental direct physical damage to covered property with only a few limitations and exclusions.


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.

Wedding Present Coverage

Coverage for wedding presents may be added by endorsement. This 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 Losses Not Insured.

If you have questions about personal articles coverage, contact a State Farm agent.


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 Lloyds
Richardson, TX

State Farm County Mutual Insurance Company of Texas
Dallas, TX