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Personal articles simplified
In many cases, gaming consoles are treated as “personal property,” covered under your Homeowners or Renters insurance policy. However, like other high value items in your home, they typically require documentation of ownership and proof of value.
For high-value computer or PC gaming equipment, it’s possible your agent would recommend something like a Personal Articles Policy (or “PAP”) for increased coverage.
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In some cases, yes – up to your specific limits within your policy. However, if you have extensive or high-value computer systems, you may want to consider an added policy that covers more than your typical renters or homeowners insurance.
When looking to insure expensive electronics, such as a PC gaming system, a "Personal Articles Policy" or “PAP” is meant to give broader coverage (aka more/different events are covered under this policy that may not be under your renters or homeowners policy).
A PAP = Personal Articles Policy. This type of policy can cover physical loss or damage to covered items. It’s usually purchased for “high value” stuff (fine art, jewelry, or in this case electronics) so you can repair/replace the item(s)…particularly if the item(s) are valued higher than what your homeowners or renters’ insurance covers.
If you’re inquiring about a gaming console: You’ll want to verify it’s covered under your renters or homeowners insurance. If you're inquiring about a PC gaming system: Eligibility varies, so you may not need to be an existing customer to cover a gaming system through a PAP.
A State Farm Agent is always willing to help, give them a call or send an email to discuss your needs!
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Understandable! We've got you. You can call or email a State Farm Agent and kick off the conversation with something like:
"Hi, my name is [Your Name]. I’m looking into insurance coverage for my gaming console(s) and/or my PC gaming system. I’d like to ask what coverage options would apply.
I’m located in [your city/state or ZIP].
I [rent/own] a [home/apartment/condo], and I’m interested in protecting my [Xbox/PlayStation/Switch/VR] and/or gaming PC.
Thanks!"
Bonus Tip: Be sure to include how you prefer them to respond, whether via email or phone, and make sure they have the right contact information to get ahold of you.
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- Do you rent or own a home?
- Do you have an existing homeowners/renters policy?
- Do you make money off playing/streaming/content creation using your gaming system and/or console?
- What is the approximate make/model and purchase price of each console and/or computer gaming system?
Use this list format to get started:
- [Item] – [Brand/Model if known] – [Approx. value] – [Proof of purchase Y/N?]
- [Item] – [Brand/Model if known] – [Approx. value] – [Proof of purchase Y/N?]
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