What Does Personal Articles Insurance Mean?
Personal articles insurance is insurance that covers personal items in the policyholder's possession that are not covered by other insurance, such as homeowner's or renter's insurance. These items may include expensive furs, paintings, jewelry, sports equipment, and musical instruments.
Insuranceopedia Explains Personal Articles Insurance
Personal articles policies can be purchased as additions to standard homeowner's policies.
This type of insurance may be particularly helpful for people who have a large number of expensive items in their home. Homeowner's insurance generally only provides a limited amount of coverage for personal property items. So, personal articles policies can prevent homeowners from having to lose a lot of money if they experience major losses that exceed the personal property coverage limits of a standard homeowner's policy.