Personal Articles / Valuable Articles Insurance
Personal articles include such high-end possessions as family heirlooms, jewelry, and objects of art. Whereas homeowners and renters insurance policies place a ceiling on recoverable dollar amounts, a customized Personal Articles Insurance policy can reimburse you for the full market value of your stolen or damaged valuables.
In addition to full reimbursements, Personal Articles Insurance can be extended to cover more specific risk potentials. This allows for items to be covered against breakage – an option not available with blanket homeowners policies. Although no deductibles are required for most risk potentials, there is a $1,000 deductible for breakage policies.
At McKinney Insurance Services, we can tailor our Personal Articles Insurance to cover a wide range of items, including:
- Cameras and peripheral equipment
- Fine china and crystal
- Sport equipment (golf clubs, skis, etc.)
- Jewelry and watches
- Musical instruments
- Personal computers
- Works of art (paintings, rugs, rare books, sculptures)
Many unlisted items can still qualify for coverage. Contact us today and one of our knowledgeable agents will gladly discuss the specifics of our Personal Article Insurance with you.