Personal Articles Insurance in Sunrise, FL
Cover for jewelry, cameras, instruments and other valuables, often beyond what a standard homeowners or renters policy will pay.
Homeowners and renters policies often limit how much they'll pay for valuables like jewelry. A personal articles policy covers each item properly.
What personal articles insurance can cover
- Jewelry and watchesEngagement rings, wedding bands, watches and other fine jewelry.
- Cameras and electronicsProfessional cameras, lenses and high-value equipment.
- Musical instrumentsGuitars, pianos, violins and more.
- Collectibles and artFine art, collections and other items of special value.
Good to know
- Items are usually listed, or "scheduled", individually with a set value. You may need an appraisal or receipt for higher-value pieces.
- Personal articles policies can cover losses a standard policy may not, such as accidentally losing a ring, depending on the insurer.
- Review your item values every few years, because jewelry and collectibles can go up in value.
Coverage, limits, exclusions and availability vary by insurer and policy. Your AJP agent will explain exactly what a policy includes before you buy.
Common questions
Isn't my jewelry covered by my homeowners policy?
Usually only up to a low limit for theft, and some losses may not be covered at all. A personal articles policy covers each item at its scheduled value.
Do I need an appraisal?
For higher-value items, insurers often ask for an appraisal or a recent receipt. We'll tell you what's needed.
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