Personal Articles Insurance

Definition of "Personal articles insurance"

Coverage for all kinds of personal property whether inside or outside an insured's (home) to include jewelry, musical instruments, cameras, fine arts, and precious stones. The insurance policy can be issued separately as an inland marine insurance policy or as an endorsement to the homeowners insurance policy. Protection is on an all risks basis subject to exclusions of wear and tear, war, and nuclear disaster. Each piece of jewelry and other expensive items must be specifically listed in the policy.

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