Personal Articles Policy

Extra review for jewelry, watches, and other valuables.

A personal articles policy may be worth reviewing for higher-value items that may not be fully protected under a standard home or renters policy.

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Valuables review

Some belongings need more specific attention.

Higher-value items can include engagement rings, wedding rings, luxury watches, pearl necklaces, cameras, musical instruments, collectibles, and other valuables.

Item typeJewelry, watches, cameras, instruments, collectibles, or multiple valuable items.

Estimated valueA value range helps the agent understand what kind of review may be needed.

DocumentationAppraisal or receipt status can help clarify what coverage may be worth reviewing.

Use and storageWhether items are worn daily, stored securely, used for travel, or recently purchased.

Bundle review

Valuables can be reviewed with home, renters, or auto.

HomeownersReview valuable items alongside an owned home or condo request.

RentersRenters can also request personal articles review for higher-value belongings.

Final underwritingDocumentation requirements and final availability depend on carrier underwriting.