LIABILITY
Protect the Valuables In Your Home

Ask About Personal Insurance From State Farm®

You may have more at risk than you realize. State Farm Personal Insurance products can provide the additional coverage you may need, as your Homeowners Policy may have significant deductibles and limitations.

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Personal Articles Policy

The Personal Articles Policy may cover valuable property against more causes of loss than your Homeowners Policy and with no deductible. Some of the items eligible for coverage under a Personal Articles Policy include:

  • Jewelry
  • Furs
  • Cameras
  • Musical Instruments
  • Silverware/Goldware
  • Golf Equipment
  • Fine Art (such as oriental rugs and paintings)
  • Collectibles
  • Sports Equipment
  • Computer Equipment

Personal Liability Umbrella Policy

Judgments amounting to thousands or even millions are being awarded by juries across the country in ever-increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits.

The Personal Liability Umbrella Policy provides an additional layer of personal liability insurance protection. This added protection could help you conserve your assets if you are found legally responsible for auto accidents, injuries to others occurring at your home, or injuries or damage arising from your personal activities. The minimum coverage amount is $1,000,000, and additional protection is available in $1,000,000 increments.

If you have questions about this coverage contact a State Farm agent.

Disclosure

This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits, 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.