Personal Articles Insurance
In short
A personal articles policy insures jewelry, watches, art and other valuables item by item, for their full value, against loss, theft and damage that a home or renters policy limits. FCI Agency represents many carriers and compares their policies for you, at no additional cost to you, and your advisor stays your one contact.
Personal articles insurance with FCI Agency
Your home or renters policy covers jewelry and other valuables only up to a limit, and often for theft only. A personal articles policy insures each piece you list for its full value, and FCI offers one on its own as well as alongside your home policy.
What personal articles insurance covers
Coverages and their names vary by carrier and policy; your advisor shows you what each quote includes.
- Each item, for its value
- Each piece is listed on the policy with its own amount, set by an appraisal or a receipt, so a claim pays that amount rather than a category limit.Insuring Big Ticket Holiday Purchases
- Loss as well as theft
- Many policies cover an item that is lost or simply disappears, and accidental damage, which a home policy usually does not.Insuring Your Valuable Jewelry
- Wherever you are
- Coverage usually goes with the item, at home and when you travel.
- What it can cover
- Jewelry, engagement rings, watches, fine art, collectibles, silverware, cameras and musical instruments.
What a policy may not cover
Wear and tear, and gradual damage over time.
Damage during repair, cleaning or restoration.
An item that is not listed on the policy. Add new pieces when you buy them.
Big Ticket Christmas Item?
What drives the price
Your advisor compares these across carriers for you.
What the items are worth
The total value you insure, item by item.
The kind of item
Jewelry, art and collectibles are priced differently.
Where you keep them
A safe or an alarm system can lower the cost.
Your deductible
Where the policy carries a deductible, a higher one lowers your premium.
Personal articles insurance questions
Up to a limit. Standard policies cap what they pay for categories such as jewelry, watches and art, and often for theft only. A personal articles policy insures each piece for its full value.
For high-value pieces, usually. An appraisal or a receipt sets the amount each item is insured for. Call your advisor once you have made the purchase, and have pieces reappraised every few years, because values change.
Either can work. FCI offers a standalone personal articles policy, and your advisor can compare it with adding items to your home or renters policy.
Your personal articles insurance advisors
Call or email any of them, or send the form below.
Jason Acosta
Personal Lines Account Manager
Carolyn Hilton
Personal Lines Manager
Anna Hobbs
Personal Lines Account Manager
Candice Bishop
Marketing and Account Manager
Specializes as an Account Manager in personal lines.
Amanda Hopper
Insurance Advisor
Get a quote
What happens next
Step 1: Tell us what you need
Share what you have today and what you want covered, online or on a call.
Step 2: We compare the carriers
Your advisor compares plans from the carriers we represent, at no additional cost to you.
Step 3: You choose, and keep one contact
Your advisor walks you through the options and stays your one, easy-to-reach contact after you buy.
