Personal Article Policy in Riverhead, NY and throughout Long Island, NY
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Personal Article Policy Options
Personal Article Policy Information
A homeowners insurance policy may cover many of your personal possessions. Still, if you own expensive equipment, jewelry, antiques or collect rare and valuable items, you may also need a personal article policy.
The agents at Lupton & Luce in Riverhead, New York, can help you assess your situation to determine whether purchasing a personal article policy is the right choice. Contact us today to learn more about this essential coverage and get a quote.
Why Do You Need Insurance for Your Personal Articles?
Personal property is anything that isn’t attached to your home or property, and many personal items are covered under your regular homeowners or renters insurance policy. A personal article policy helps protect valuable items not covered by your homeowners or renters insurance policy. With personal article insurance, you’ll have additional protection to help you replace or repair valuable items that may be excluded from or not covered by your other insurance policies.
What Personal Items Does a Personal Article Policy Protect?
Talk with your agent about items you want to cover with a personal article policy. This type of insurance typically provides coverage for valuable items, including the following examples:
How Does Personal Article Insurance Work?
Equipment—Computers, software, bicycles, sports equipment, silverware, musical instruments and specialty tools
Keepsakes—Jewelry, fine art, furs and fine china
Collections—Stamps, coins and designer clothing and accessories
With personal article insurance, you may have coverage with more causes of loss and higher policy limits than you’ll get with your homeowners or renters insurance policy.
A personal article insurance policy may cover theft, disappearance, breakage caused by specific perils and destruction caused by a covered event. This policy may also protect certain valuable possessions while you travel anywhere globally. A typical homeowners policy may restrict coverage of personal property in the United States.
Get the Specialized Insurance You Need
To fully understand your coverage, talk with your agent about your deductibles, how to make a claim, your premiums, and the exact items the policy may cover.
The agents at Lupton & Luce are ready to help you get the insurance coverage you need to help protect your investment in your most valuable possessions. Contact us to get a personalized quote.