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610-948-4830     info@ronblackagency.com

Personal Articles Insurance

Providing coverage for your Auto, Home,
Condo, Renters, Landlord, Boat, Cycle, RV
Umbrella, Personal Articles

Personal Articles Policy

A personal articles policy is a policy that you can purchase to cover any valuable, rare or irreplaceable items that you may own.  Any kind of collectibles or antiques are better covered by this type of policy due to the comprehensive protection that is offered by the policy itself.  Coverage for jewelry and fine arts are on an agreed value as long as you have an appraisal or recent bill of sale.  While a standard homeowners policy may offer some coverage for these items, any claim would be subject to a deductible and would not be insured for an agreed value making this a must have for any jewelry, fine arts, coin/stamp collections, antique silverware or sports memorabilia.  Some policy highlights include but are not limited to:

  • agreed value on jewelry and fine arts
  • no deductible (unless specified)
  • "all-risk" coverage (subject to a few exlcusions)
  • scheduled coverage on individual items (appraisal or bill of sale required)

Eligible Property

While this list is not all inclusive, here are some examples of the more common property that a client could get coverage for.  If you are looking to insure something unique, we do have access to carriers that we can place coverage with so feel free to give us a call.

  • jewelry
  • furs
  • fine arts
  • coin/stamp collections
  • cameras
  • sports memorabilia
  • golfers equipment
  • silverware
  • musical instruments
  • china and crystal
  • gun collections