Should you get personal insurance?

You may want to opt for personal liability or one of the other personal insurance options.

Homeowners insurance is one of the best ways to protect your possessions. However, you may own some high-value items that it alone doesn't cover. Consider the following to determine if personal insurance may be right for you.

Personal article insurance

Personal article insurance covers valuable items that your homeowners insurance may not protect, such as:

  • Furs
  • Jewelry, such as engagement or wedding rings
  • Electronics, such as digital cameras
  • Silver or other precious metals
  • Fine art
  • Sports and golf equipment
  • Other items with high financial value (typically worth $1,000 or more)

As you're reviewing your possessions, consider making a home inventory. The list will be helpful in the event of theft or large-scale damage in your home. Include details of high-value items, such as make, model, value and purchase date. You may also want to take photos of each item and store your home inventory digitally.

Personal liability insurance

If an accident happens at your fault or on your property, you could face a lawsuit or damages. While your existing policies may provide substantial insurance liability limits, a personal liability umbrella policy could provide additional liability coverage beyond that provided by your auto, homeowners and other personal liability policies.

Personal insurance options

Personal insurance policies may be a good fit for those who have high-value possessions or those who don't want to risk potentially expensive personal liability.

For more information about purchasing these policies in addition to your homeowners policy, contact your State Farm® agent.

Because insurance protection is a contract, any coverage descriptions in this article are general only and are not statements of contract. All coverages are subject to all policy provisions, including applicable endorsements.


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