Personal Articles Policy: Personal Property Insurance for Valuables

Items a personal articles policy may protect

We’ll help cover the cost to repair or replace your personal property up to your policy limit. Coverage includes theft and accidental damage, with some exclusions.

What type of items may be covered?

Keepsakes

Jewelry
Collectibles2
Fine art
Furs
Engagement ring
Silverware

Electronics

Cameras
PCs*
Laptops*
Software*
Monitors
Printers
Scanners

Health-related

Hearing aids
Medical devices
Prosthetic devices
Personal mobility devices
Wheelchairs

Equipment

Musical instruments
Racing or electronic assist bicycles
Sports equipment3
Drones
Golf clubs

*For personal use only

Why would you need a personal articles policy?

Your homeowners, renters, or condo insurance helps provide coverage for your personal property, but that coverage is usually limited to only certain causes of loss. Some types of property also have special dollar limits which means you may not have enough coverage to replace your property. A personal articles policy offers broader protection for your treasured items with higher coverage limits available.

What a personal articles policy doesn’t cover

While coverage is generally broader than what's provided by a homeowners, condo, or renters policy, there are some exclusions specific to certain types of property. Your State Farm agent can help explain your coverage and policy details.

How much does personal property insurance cost?

The price for personal property coverage is usually based on a specified dollar amount for each $100 of coverage. That rate varies depending on factors such as where you live and the type of property you want to cover.

Coverage in action

Let’s say you’re cruising the Aleutians on a photo tour and your telephoto lens gets knocked into the Bering Sea. A personal articles policy would help pay the cost to replace your covered drowned camera accessory.

Personal articles policy features

Worldwide 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. (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 coverage4

You can purchase broader coverage for jewelry items that are part of a pair or set. For example, a pair of earrings would qualify for this coverage. If an earring is lost or destroyed beyond repair, we can help cover the full value of the pair as specified on your policy in exchange for the remaining earring.

Inflation coverage

You can select to have your amount of coverage automatically adjusted based on the consumer product inflation coverage index. Consider having your items regularly reappraised by a professional.

Wedding Present coverage

In addition to coverage for your engagement and wedding rings, we can help cover your wedding gifts as well. Adding the Wedding Presents 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.

Frequently asked questions about personal property insurance

Yes, a standard homeowners policy has special coverage limits for certain types of property like jewelry, furs, fine arts, and silverware. If you need a greater amount of coverage, you can purchase a personal articles policy to schedule coverage for individual items.

Although both phrases can be used to describe insurance protecting your personal property, a personal articles policy generally schedules coverage for specific belongings, each with their own separate coverage amount. A personal articles policy is also referred to as personal inland marine insurance.

No. The personal articles policy may be a valuable companion to your existing property insurance.

Most claims may be filed online, or you can talk to your State Farm agent.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to help fit your specific needs.

With arms folded, a mature female State Farm agent in a red blouse and scarf smiles.

What sets a State Farm Personal Articles Policy apart?

19,000 agents

You get a dedicated agent with every account. If you need a hand, your State Farm agent is ready to help.

Since 1964

You get the same reliable service from one of the top homeowners insurance provider in the U.S.5

At your service

You get your claim handled promptly and reliably.

Additional insurance options

Simple Insights®

Looking for help protecting your personal articles? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

A cup and saucer of fine china is an example of what to include in a home inventory.

Creating a home inventory Fine china is displayed.

Tips for collectible storage and display A gathering of young children frolic behind an open SUV parked in the driveway.

What is individual liability insurance? A man with glasses and a checkered flannel shirt inspects his camera.

Appraising and insuring your collection

1 Coverage and eligibility vary by item and are subject to the policy terms, conditions, and exclusions.

2 Collectibles include such items as dolls, model trains, sports cards, comic books, and stamp and coin collections.

3 Sports equipment includes such items as equipment used with fishing, hunting, archery, skiing, scuba diving and snowboarding.

4 Coverage included in Texas base policy.

5 Based on the survey TIME magazine’s World’s Best Brands 2025.

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
State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Orlando, FL

State Farm County Mutual Insurance Company of Texas
Richardson, TX

What is personal property coverage?