Personal Articles Insurance

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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Personal Articles Insurance

Understanding the importance of protecting your valued possessions is essential. Personal articles insurance is a specialized type of insurance that provides coverage for valuable items beyond the usual limits of a standard homeowners or renters insurance policy. It offers protection against theft, damage, loss, or disappearance of high-value possessions that hold sentimental or financial worth. Personal articles insurance typically covers a wide range of valuable possessions, including but not limited to:

Jewelry: Diamond rings, necklaces, watches, etc.

Fine Art: Paintings, sculptures, photographs, etc.

Antiques: Furniture, porcelain, vintage items, etc.

Collectibles: Coins, stamps, rare books, sports memorabilia, etc.

Electronics: High-end cameras, laptops, smartphones, etc.

The cost of personal articles insurance can vary based on several factors, such as the value of the items being insured, your location, and the level of coverage you desire. Generally, personal articles insurance premiums can range from 1% to 5% of the insured value per year. Factors like the item’s condition, security measures implemented, and rarity also influence the cost. Accurately determining the value of your personal articles is crucial when obtaining personal articles insurance.

Personal articles insurance offers peace of mind by safeguarding your valuable possessions against unexpected events. By understanding its purpose, coverage, cost factors, valuation methods, and the purchasing process, you can make informed decisions about protecting your cherished belongings. Remember, personal articles insurance serves as a shield preserving the value and sentimental attachment of your most treasured articles.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their valuables with confidence. Our personal articles insurance products can provide: