Personal Articles Insurance
in Massachusetts

Treasure It? Let Us Insure It.

Your personal belongings are more than just items; they hold sentimental value, represent investments, and are cherished possessions. Our Personal Articles Insurance is thoughtfully crafted to provide you with the peace of mind you deserve, assuring that your valuable possessions are safeguarded. With our coverage, you can rest easy knowing that your memories and investments are protected against unexpected events, allowing you to focus on what truly matters in life.

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Massachusetts Personal Article Insurance
Lopriore Insurance Agency

A Personal Articles Floater is ideal for individuals with high-value or sentimental items that surpass standard insurance coverage. Whether you’re a collector, musician, traveler, or jewelry enthusiast, this specialized insurance ensures your prized possessions are comprehensively protected against potential loss or damage.

Understanding the Importance of
Personal Articles Insurance

Personal Articles Insurance is essential for safeguarding high-value possessions, offering specialized coverage beyond standard policies to protect items like jewelry, fine art, and collectibles.

What is It?

Personal Articles Insurance, commonly known as a floater, is a specific type of insurance policy that provides extended coverage for valuable items that might not be fully covered under standard homeowners or renters insurance. This policy "floats" over your primary insurance to ensure that your high-value items are fully protected.

Why Do I Need It?

If you own items that are especially valuable—whether in monetary or sentimental terms—a personal articles floater can ensure they're adequately protected. Standard homeowners or renters insurance policies may not provide enough coverage for these high-value items.

Who Is It For?

A Personal Articles Floater is ideal for individuals with high-value or sentimental items that surpass standard insurance coverage. Whether you're a collector, musician, traveler, or jewelry enthusiast, this specialized insurance ensures your prized possessions are comprehensively protected against potential loss or damage.

How To Insure My Personal Items

To insure your personal items effectively, start by creating a detailed inventory of your possessions, including photographs and descriptions. Contact your insurance provider to explore coverage options, such as adding a personal articles floater or endorsement to your existing homeowners or renters insurance policy. Ensure the policy covers the replacement cost of your items and provides protection against theft, damage, or loss. Carefully review the policy terms, limits, and deductibles to understand the coverage and its associated costs. Keep your inventory and policy documents updated as your possessions change over time to ensure your personal items are adequately insured.

Tips for buying Personal Articles Insurance

Let’s unpack the details of personal articles insurance to better grasp how it protects those important items in our lives

Inventory Your Valuables

Before purchasing insurance, make a list of all items you'd like to insure. Document their current condition and take clear photographs.

Get Appraisals

For high-value items like jewelry or art, obtain a professional appraisal to determine their current market value. Some insurers require this, and it ensures accurate coverage.

Consider Bundling

Sometimes, you can get a discount if you bundle your personal articles insurance with other policies, like homeowners or auto, from the same provider.

How much does Personal Articles Insurance Cost?

Understanding the cost of personal articles insurance can feel like navigating a maze. The price isn’t one-size-fits-all; it’s shaped by various factors, from the value of the items you’re insuring to your geographical location. Whether you’re safeguarding heirloom jewelry, a prized collection, or high-end tech gadgets, it’s crucial to grasp the elements that influence your premium. In this section, we’ll demystify the factors that determine the cost, providing clarity on how to anticipate and potentially reduce your insurance expenses.

Value of
Insured Items

Location

Claims History

Deductible
Amount

Type of Item

Click On Each Factor
To Learn More

Factors that Affect The Cost Of Personal Articles Insurance

The cost of personal articles insurance varies considerably based on a number of factors. While it’s difficult to provide a specific price without concrete details, here are some factors that influence the cost.

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Personal Articles Insurance Coverage Details

Let’s unpack the details of personal articles insurance to better grasp how it protects those important items in our lives

What's Covered Under a Personal Articles Floater

Specific Scheduled High-Value Items

Jewelry, fine art, musical instruments, rare collectibles, and other valuables.

Accidental Loss

Unlike standard home policies, floaters often cover accidental loss (e.g., if you accidentally drop and lose a diamond earring).

Damage

If your valuable item gets damaged, it will usually be covered. For example, if a valuable painting gets water damage.

Theft

Loss due to theft, whether at home or while traveling.

Worldwide Protection

Coverage typically extends beyond your home, offering protection wherever you go.

Mysterious Disappearance

Personal Articles policies cover scenarios where the cause of loss remains uncertain.

These are standard coverages, but it’s worth noting that the specifics can vary by provider and policy. Always review the details and consult with an insurance agent to ensure you get the coverage that fits your event’s unique needs.

Benefits of Scheduling Your Personal Items

When considering optional coverages, it’s essential to assess your risks and the value of your belongings. It might be beneficial to consult with a local insurance expert, like those at LoPriore Insurance, to get guidance on which endorsements best fit your circumstances.

Detailed Coverage

Scheduling items ensures that each piece is assessed and insured for its specific value, offering detailed protection.

Higher Limits

Standard policies might have limits on certain categories of items. Scheduling allows for higher or specific values based on the item's worth.

Broadened Protection

Scheduled items typically get "all-risk" coverage, meaning they're protected from a wider array of potential perils, including those not usually covered by standard policies.

Documented Value

Scheduling usually requires appraisals or receipts, ensuring the value is documented and agreed upon.

Zero Deductible

Scheduled items often come with a zero deductible

Claim Clarity

In the event of a loss, having scheduled items makes the claim process clearer since the value and coverage details of each item are pre-established.

In summary, while standard home or renter’s policies provide general coverage for personal property, scheduling specific high-value items through a personal articles floater provides comprehensive protection tailored to each item’s unique value and characteristics.

Who needs Personal Articles Floater?

A Personal Articles Floater is crucial for those with high-value possessions like jewelry, art, and electronics, as it offers specialized coverage that extends beyond typical homeowners or renters insurance, ensuring comprehensive protection against loss, damage, or theft for these valuable items.

Collectors

Whether it's art, stamps, coins, or other collectibles, if you have a collection that holds significant value, a personal articles floater can offer specialized protection.

Jewelry Owners

Individuals with valuable jewelry, especially pieces that exceed the coverage limits of standard homeowners or renters insurance, should consider this coverage.

Musicians

Professionals or hobbyists with expensive instruments can benefit from the detailed coverage a personal articles floater provides.

Photographers

Those with high-end camera equipment, especially professionals, can protect their gear from various risks.

Frequent Travelers

If you often travel with valuable items (e.g., jewelry, high-end electronics, or specialty equipment), the worldwide protection offered by a floater is invaluable.

Tech Enthusiasts

If you own high-end electronics or tech gadgets that surpass typical policy limits, a floater can offer additional coverage.

Athletes

Those involved in sports where they use expensive equipment, like golf or cycling, might want to consider this insurance for their gear.

Fashion Aficionados

Individuals with high-end designer clothing, handbags, shoes, or other fashion items can benefit from specialized coverage.

Antique Owners

If you possess antiques or unique pieces of furniture, a personal articles floater can ensure they're adequately covered against potential damage or loss.

Owners of Heirlooms

Family treasures, even if not valuable in the traditional sense, can hold immense sentimental value. These items can be safeguarded with a personal articles floater.

List of Items a Floater Covers

A Personal Articles Floater provides specialized protection for a wide range of valuable items, including but not limited to jewelry, fine art, collectibles, antiques, high-end electronics, and musical instruments. The list includes:

Jewelry and Engagement Rings

Fine Art (Paintings, Sculptures, etc.)

Camera Equipment

Computers and Electronic Equipment

Musical Instruments

Silverware and Goldware

Antiques and Collectibles (Stamps, coins, etc.)

Furs

Rare Books

Wine Collections

Golf Equipment

Bicycles

How To Get an Appraisal For Your Items

By following these steps, you can obtain professional appraisals for your items, which are crucial for insurance purposes, estate planning, or simply knowing the value of your possessions.

Research Qualified Appraisers

Begin by searching for professional appraisers in your area. Organizations like the American Society of Appraisers (ASA) or the International Society of Appraisers (ISA) have directories to help find certified members.

Specialized Appraisers

Ensure the appraiser specializes in the type of item you need appraised. For instance, jewelry appraisers may not be best suited for art appraisals and vice versa.

Check Credentials

Verify the appraiser's qualifications and certifications. It's essential to ensure they are updated with the latest industry standards and training.

Ask for References

A reputable appraiser should be able to provide references or reviews from past clients.

Understand the Process

Discuss with the appraiser how they will conduct the appraisal. For instance, with jewelry, they should be inspecting the piece, checking for markings, measuring, weighing, and possibly testing metals and stones.

Clear Fee Structure

Understand the cost structure. Most professional appraisers charge by the hour or a flat fee rather than a percentage of the item's value.

Attend the Appraisal

If possible, be present during the appraisal. This allows you to ask questions and understand how the appraiser determines the value.

Detailed Report

Once completed, the appraiser should provide a comprehensive report detailing the item's description, methodology used for appraisal, market research, and the determined value.

A personal articles floater policy provides you with protection and peace of mind for your most valuable possessions. Don’t allow your treasures to be subject to potential damage or loss. Let the LoPriore team help you customize a policy to fit your unique needs. Get in touch today to learn more or for a quick quote.

Unlock the Ultimate Guide to Protecting Your Precious Jewelry By Reading Our Jewelry Insurance Blog Today

Unlock the essential insights and tips to safeguard your precious jewelry investments. Our latest blog post covers everything you need to know about jewelry insurance, from choosing the right policy to appraising your gems. Don’t miss out on this valuable information.

Read Now

Is Jewelry Insurance Worth it?

Jewelry insurance is often worth it for those with valuable jewelry, as it provides financial protection against loss, theft, or damage that standard homeowners or renters insurance may not fully cover. The peace of mind and potential cost savings in the event of an unexpected incident make it a worthwhile consideration for jewelry owners.

Reasons To Consider Personal Articles Insurance

Jewelry insurance can be seen as worthwhile for various reasons, but its value often depends on individual circumstances:

Specific Scheduled High-Value Items

If you have jewelry that would be financially challenging to replace, insurance can offer peace of mind.

Emotional Value

Some jewelry pieces have immense sentimental value, such as family heirlooms or engagement rings. While insurance can't replace the sentimental value, it can provide funds to restore or replace the physical item.

Coverage Beyond Standard Insurance

Homeowner's or renter's insurance often covers jewelry, but there are usually limits to this coverage. A specialized jewelry policy can bridge this gap.

Comprehensive Protection

Specialized jewelry insurance can cover scenarios that typical insurance might not, such as accidental loss.

Affordability

Compared to the value of the insured item, many find the premiums for jewelry insurance reasonable.

Peace of Mind

Knowing that you're protected against theft, loss, or damage can provide significant peace of mind, especially if you frequently wear or travel with your jewelry.

What are the Essentials to Schedule a Personal Articles Floater Policy

Detailed Inventory

Proof of Ownership

Appraisals

Photographs

Serial Numbers

Current Insurance
Policies

Location Information

Click On Each Factor
To Learn More

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What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Protection, Extra Peace of Mind

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Personal Articles Insurance Policy FAQs

Why Should I List and Insure Items on my Home Insurance Policy?

Scheduling your items provides a variety of advantages including:
• Fewer restrictions
• An agreed value and description preset for each item
• Faster claims settlement
• Protection while traveling

Do I Need to Insure My Jewelry Individually on My Homeowner's Policy?

While your homeowner’s policy provides some coverage, we recommend you list your jewelry to ensure your items will be protected at the proper value.

What is the Deductible for Items on a Personal Article Insurance Policy?

Scheduled items aren’t subject to a deductible unless stated otherwise in the terms of your policy.

What Types of Items Should be Covered Under a Personal Article Insurance Floater Policy?

• Jewelry
• Fine arts
• Cameras
• Furs
• Musical instruments
• Silverware, gold, and pewter
• Golf equipment
• Firearms
• Stamp collections
• Coin collections
• Wine collections
• “Blanket” schedules of fine arts or jewelry

Can I Purchase a Personal Articles Policy if I Rent My Home?

Yes. Adding a personal articles floater policy to your renter’s policy will allow you to schedule your valuable items when you rent your home.

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What Others Are Saying About Us!

LoPriore Insurance Agency

5.0

Based on 135 reviews

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LoPriore Insurance Agency

5.0

Based on 16 reviews

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Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!

Madeline Line

1698691773

I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.

Kathy I

1698119096

John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.

Alisha Candela

1696361074

Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!

Ira Lanik

1695934615

Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.

Tithi Dutta Roy

1690206403

Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.

Chad Laliberte

1689254503

Fast, accurate, responsive, and knowledgeable!

Lynn Thomas

1687787112

Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer

Ramana Lagemann

1685988192

They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.

Bible4Shelley

1685148846

Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.

Nina Fine

1683825783

I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel

Raquel Salois'

1682990146

Raquel Salois' Le Beauty Boutique'

1682989930

Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.

Elisa Balboni

1681827535

Best insurance experience ever. Thank you Brian.

Elena EVNV

1680807226

Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good

Stan Mills

1678895614

From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!

Elizabeth Hardnett

1678464925

It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!

Johanna Teahan

1670772058

LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.

Diana Reilly

1670612597

The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!

Judith Halloran

1669143561

Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.

avi golani

1668718966

Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.

Joe Smith

1663539289

Always quick, easy client service. Thank you.

Michael Cuddy

1662487813

Always excellent service, advice and genuine customer care.

Mary Kelly

1661537083

Adam and the office staff is great anytime I call it gets done

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Quick and considerate responses.

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1656174402

Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.

Helen Corrigan

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Excellent rates and customer service.

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Always responsive, professional and helpful.

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I was given the most competitive quotes and the service is professional.

Xue Lin

1653401533

It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.

Licia Commito

1653400226

Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!

Christopher Pedro

1653076612

Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.

Emily Pedro

1651851616

LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!

Mona Hansley

1651787800

Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.

Jordan Alexander

1598489201

It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.

Mike Moccia

1556196383

I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!

Wendy Vaughan

1540557208

We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!

Judy Hagerty Halloran

1540408200

Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.

Robert Dello Russo

1540405447

John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed

John R. Micieli

1540331621

I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.

Peter Camplin

1539883859

I couldnt imagine doing my insurance anywhere else! Theyre the best!

Marina Perez Lanza

1539209640

I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.

Kristy Marie

1538484673

I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate

Sean Callahan

1526074049

5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!

Angela Bognanno

1520269176

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Personal Articles Insurance in Massachusetts