Protect your assets with a 个人物品政策
Get coverage beyond your homeowners or renters policy to replace your valuable items. Ask your 国营农场® agent if a 个人物品政策 is right for you.
Contact a local 国营农场 agent
想要报价，请致电 844-242-1899
Why you need insurance for your personal articles
Anything that isn’t permanently attached to your home or your property is most likely considered personal property. Personal articles coverage may offer broader coverage than your existing homeowners policy, helping ensure you can repair or replace those items you value (and even those you don’t).
Items a 个人物品政策 may protect
纪念品
珠宝、收藏品1美术，皮草
设备
Cameras, computers and software, musical instruments, bicycles, silverware, sports equipment2
与健康有关
Hearing aids, medical devices, prosthetic devices, personal mobility devices and wheelchairs
What a 个人物品政策 doesn’t cover
While coverage protects your personal property for many loss situations, t在这里 are some exceptions. Your 国营农场 agent and items outlined in your policy will help you understand details about your personal property coverage.
如果我不在家怎么办?
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.
个人物品政策 features
全球覆盖
Personal property coverage applies anyw在这里 in the world. 当你去度假时, items such as jewelry and cameras are covered (fine art items are only covered within the United States and Canada).
重置成本pp王者电子官网
We'll pay the cost to repair or replace your personal property, without deduction for depreciation up to the applicable limit. The 个人物品政策 insures against theft and accidental direct physical damage to covered property with some limitations and 除外责任.
可扣除的
Although available if desired, t在这里 generally is no deductible on a 个人物品政策.
Contact a local 国营农场 Agent
要获得报价，请致电 844-242-1899
可选的pp王者电子官网
宽对和设置覆盖3
You’ll be covered for the full amount of the value specified on your policy needed to replace an item or items of jewelry that are part of a pair or set. For example, a pair of earrings would qualify for this coverage.
通货膨胀的覆盖率
The amount of coverage is automatically adjusted annually based on the Consumer Product Inflation index. Valuable items should be professionally reappraised regularly.
结婚礼物pp王者电子官网
In addition to coverage for your engagement and wedding rings, we can cover your wedding gifts as well. Adding the Wedding Gift 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.
简单的见解® 来自州立农场
Tips for collectible storage and display
Rare and antique collectibles can be valuable – make sure you’re protecting them and 妥善存放.
What if my insurance is not enough to cover potential exposures?
You might want to consider a personal article insurance or personal liability insurance policy to 帮助保护 your possessions, home and future earnings.
1 Collectibles include such items as dolls, 模型火车, 体育卡片, 漫画书, 还有邮票和钱币收藏.
2 Sports equipment includes such items as equipment used with fishing, 狩猎, 射箭, 滑雪, 潜水和单板滑雪.
3 Coverage option not available in Texas
披露的信息
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, 规定, 除外责任, and conditions in the policy itself and in any endorsements.sements.