Electronic gadgets, cameras and special sports equipment don't always make a person's list of "valuables." However, they can be very pricey items received as gifts or through inheritances over the years. Are you one of those people? If so, you may want to consider purchasing a personal articles policy. After all, great things deserve great coverage.

Although some items may be covered under your homeowners policy, there are limits that may not be high enough to replace everything. That's where a personal articles policy comes in. A personal articles policy can help you replace valuable gifts if they are destroyed or damaged, offering coverage that no wrapping paper or bow could ever compare to.

Shelter's personal articles policy can help cover items like these and more:

• Jewelry
• Furs
• Fine Art
• Guns
• Silverware
• Coins
• Stamps
• Musical Instruments
• Photography Equipment
• Bicycles
• Golf Equipment 
• Golf Carts
• Livestock‌
• Small Portable Power Tools
• Contractors Equipment
• Farm Machinery
• Lawn Tractors/Mowers

To figure out how much coverage you need, take an inventory and pictures of your items and how much it would cost to replace them. To determine how much coverage you may currently have and how much more you need, take your inventory list and pictures to your local Shelter agent.

• Take Inventory

  Our handy Personal Property Calculator will help you determine how much it would cost to replace items lost in a fire, robbery, tornado or other disaster.

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• Get What You Need

  A Personal Protection Review helps you determine if you have the right coverage for where you are in your life, nothing more, nothing less.

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