Personal articles policy
Get personal property coverage beyond your homeowners or renters policy for broader financial protection against theft, accidental damage or loss. Talk to your State Farm® agent to help you decide if a personal articles policy is right for you.
Or call 844-242-1899 for a quote
What sets a State Farm Personal Articles Policy apart?
19,000 agents
You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.
Since 1964
You get the same reliable service from the #1 homeowners insurance provider in the U.S.1
At your service
You get your claim handled promptly and reliably.
Why you need insurance for your personal property
Anything that isn’t permanently attached to your home or land is most likely considered personal property, even if it’s not in your home. A personal articles policy may offer broader coverage than your existing homeowners, condo, or renters policy, helping you repair or replace those items you value (and even those you don’t).
Items a personal articles policy may protect
Keepsakes
Jewelry, collectibles2, fine art, furs, engagement ring
Equipment
Cameras, personal-use computers and software, musical instruments, racing or electronic assist bicycles, silverware, sports equipment3, drones
Health-related
Hearing aids, medical devices, prosthetic devices, personal mobility devices and wheelchairs
What a personal articles policy doesn’t cover
While coverage protects your personal property for many loss situations, there are some exceptions. Your State Farm agent can help you understand details about your personal property coverage, and items outlined in your policy.
Coverage in action
Let’s say you’re cruising the Aleutians on a photo tour and your telephoto lens gets knocked into the Bering Sea. A personal articles policy would help pay the cost to replace your covered drowned camera accessory.
Personal articles policy features
Worldwide coverage
Personal property doesn’t have to be in your home to be protected by your policy. Your coverage travels with you — whether you’re enjoying the vacation of your dreams or running weekly errands. (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 personal property, without deduction for depreciation up to the applicable limit. The personal articles policy insures against theft and accidental direct physical damage to covered property with some limitations and exclusions.
Deductible
Although available if desired, there generally is no deductible on a personal articles policy.
Optional coverages
Broad Pair and Set coverage4
You can purchase broader coverage for jewelry items that are part of a pair or set. For example, a pair of earrings would qualify for this coverage. If an earring is lost or destroyed beyond repair, we can help cover the full value of the pair as specified on your policy in exchange for the remaining earring.
Inflation coverage
You can select to have your amount of coverage automatically adjusted based on the consumer product inflation coverage index. Consider having your items regularly reappraised by a professional.
Wedding Present coverage
In addition to coverage for your engagement and wedding rings, we can help cover your wedding gifts as well. Adding the Wedding Presents endorsement provides temporary coverage (before and up to 90 days after your wedding) to protect your gifts. Refer to the policy for a complete description of the Losses Not Insured.
Frequently asked questions about personal property insurance
Your homeowners, renters, or condo insurance helps provide coverage for your personal property, but that coverage is usually limited to only certain causes of loss. Some types of property also have special dollar limits which means you may not have enough coverage to replace your property. A personal articles policy offers broader protection for your treasured items with higher coverage limits available.
Although both phrases can be used to describe insurance protecting your personal property, a personal articles policy generally schedules coverage for specific belongings, each with their own separate coverage amount. A personal articles policy is also referred to as personal inland marine insurance.
Review your homeowners insurance for any special property limits and consider how much it would cost to replace those belongings. If you're concerned there isn't enough coverage, you might want to consider purchasing personal articles insurance. Coverage is typically broader under a personal articles policy and generally without any deductibles.
The price for a personal articles policy is usually based on a specified dollar amount for each $100 of coverage. That rate can vary depending on factors such as where you live and the type of property for which you want coverage.
Talk to your State Farm agent about insuring any items for which you want coverage.
Most claims may be filed online, or you can talk to your State Farm agent.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to help fit your specific needs.
Additional insurance options
Homeowners insurance
Coverage for your home
Renters insurance
Coverage for your stuff as a renter
Condo insurance
Coverage for your condominium
Rental property insurance
Coverage for your rental property
Manufactured home insurance
Coverage for your manufactured home
Pet insurance
Coverage for your pet
Simple Insights®
Looking for help protecting your personal articles? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Creating a home inventory
Tips for collectible storage and display
What is individual liability insurance?
Appraising and insuring your collection1 Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2021.
2 Collectibles include such items as dolls, model trains, sports cards, comic books, and stamp and coin collections.
3 Sports equipment includes such items as equipment used with fishing, hunting, archery, skiing, scuba diving and snowboarding.
4 Coverage included in Texas base policy.
This page contains only a general description of coverages and is not a contract. Details of coverage, coverage limits, optional coverages or services may vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
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