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.
Personal Articles Policy May Cover:
- 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)
- Hearing aids and medical devices (such as insulin pumps, hearing implants, and artificial eyes and limbs)
- Musical instruments
- Sports equipment
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.