Important Information on Personal Articles Coverage

Most policies have limitations on certain types of property. These limitations can usually be increased by endorsement. Optional coverage can either be blanket or specific. Under blanket coverage, you determine an amount of insurance that you would need for each category. Note that under blanket insurance, there is a limit per item. Under specific coverage, each item is specifically listed on the policy and a limit of insurance is applied. Some companies will offer extended replacement cost coverage under specific coverage. Appraisals and/or sales receipts are often required for specific coverage.

Here are some of the categories in which blanket or specific coverage may be available to you.

• Watches & Jewelry
• Furs
• Fine Arts
• Cameras
• Computers & Electronics
• Sports Equipment
• Antiques
• China & Crystal
• Collectibles
• Coin Collections
• Musical Instruments
• Stamp Collections
• Wedding Presents
• Hearing Aids
• Silver and Gold Ware
• Wine Collections
• Guns
• Sports Memorabilia