{"id":327,"date":"2020-04-24T14:36:21","date_gmt":"2020-04-24T19:36:21","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=327"},"modified":"2025-10-17T17:21:24","modified_gmt":"2025-10-17T22:21:24","slug":"personal-articles-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/personal-articles-insurance\/","title":{"rendered":"Personal Article Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Personal Article<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tProtect your valuable gear and collectibles with Personal Article Insurance.\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tPersonal articles insurance for electronics, sports equipment, collectibles, artwork, and more. Secure your valuables with a customized policy.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n                                Get My Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-10.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-10-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-10.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-10-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-10.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        We search for the best insurance at the best price from top-rated carriers.                     <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/allstate@2x.png\" width=\"102\" height=\"23\" alt=\"\" class=\"img-fluid lazyload\">\n                                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willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>What does Personal Article Insurance cover?<\/h2>\n<p>Personal Article Insurance is designed to protect your most valuable possessions from loss, theft, or damage, offering broader and more customizable coverage than standard homeowners or renters policies. You can typically add this coverage to your existing homeowners or renters policy as an endorsement, sometimes called a \u201cscheduled personal property\u201d rider. It isn\u2019t just for jewelry- it\u2019s ideal for cameras, musical instruments, fine art, collectibles, high-end electronics, bicycles, antiques, and other unique or high-value belongings.<\/p>\n<p>If you own items or collections that are valuable or hard to replace, this coverage helps ensure they\u2019re fully protected. It\u2019s especially useful if you travel with your items or if their value exceeds the standard coverage limits of your current insurance. Whether you prize rare coins, expensive camera gear, or sports equipment, personal article insurance helps keep your special possessions safe and properly insured.<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tCoverage That Fits Your Needs\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Every valuable is different. We\u2019ll work with you to make sure each item has the right level of protection, based on its true worth. You get coverage that matches your needs, so your peace of mind comes standard.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tProtection Wherever You Travel\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Your coverage doesn\u2019t stay at home when you leave. Whether you\u2019re traveling with a laptop, camera, or instrument, your items stay protected anywhere in the world. Take your valuables with you &#8211; your policy comes along, too.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tExrta Protection \t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Personal article insurance offers broader protection than many standard policies. It helps cover your items against risks like fire, water damage, accidental loss, theft, or natural disasters that regular home insurance may not cover.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tSpecial Coverage for Collections, Pairs, and Sets\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>If you own a collection or a matching set, like art pieces or coins, a single loss can affect the full value. Ask us about coverage for pairs or sets, so your whole collection is protected even if just one part is lost or damaged.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9944 post type-post status-publish format-standard has-post-thumbnail hentry category-specialty tag-jewelry-insurance tag-specialty-insurance\" id=\"post-9944\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/09\/Blog-Graphic-1027-x-441-56-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/does-homeowners-insurance-cover-jewelry\/\" rel=\"bookmark\" class=\"text-dark\">Does Homeowners Insurance Cover Jewelry?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Your homeowners insurance policy might cover lost, stolen, or damaged jewelry, but for many homeowners, it is likely not enough to cover a loss. One way to ensure your jewelry is covered is to add a standalone jewelry insurance policy to get the peace of mind knowing that your valuables are protected.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/does-homeowners-insurance-cover-jewelry\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Does Homeowners Insurance Cover Jewelry?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10816 post type-post status-publish format-standard has-post-thumbnail hentry category-auto category-home\" id=\"post-10816\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/06\/Blog-Graphic-1027-x-441-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/auto\/\" rel=\"category tag\">Auto<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/demystifying-insurance-to-ensure-proper-coverage\/\" rel=\"bookmark\" class=\"text-dark\">Demystifying Insurance to Ensure Proper Coverage\u00a0<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Home &amp; Auto Insurance are among the few products that many people buy but hope to never use. Night and day, proper coverage provides peace of mind that an accident, weather event, natural disaster, or unexpected injury or illness will not cause financial ruin. 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Learn more and get your home insured.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-101\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Homeowners Insurance 101:  FAQS<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-327","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What does personal article insurance cover | Rate.com<\/title>\n<meta name=\"description\" content=\"No one knows your stuff like you. 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