What type of items are specifically covered by "personal articles" insurance?

Personal articles insurance is designed to cover specific high-value items that may not be adequately protected under a standard homeowners policy. This type of coverage is particularly beneficial for items that have a higher risk of loss or damage, such as jewelry, fine art, collectibles, and certain electronics. The reason why specific high-value items are highlighted is that they often exceed the coverage limits typically provided by standard homeowners or renters insurance policies.

Unlike seasonal items, business equipment, or household appliances, which may fall under broader policy coverage or have their exceptions, personal articles insurance provides tailored coverage to ensure that valuable items are specifically insured, offering peace of mind to the policyholder. This is particularly important for individuals who own valuable personal property and wish to protect their investments from potential risks like theft, loss, or damage.