Ideal Accounts and Appetite
This program is ideal for insureds with valuable personal property that falls outside the scope of standard homeowners' policies. Typical risks include:
- Men’s and Women’s Jewelry
- Furs and Designer Apparel
- Cameras and Photography Equipment
- Musical Instruments and Sound Equipment
- Golf Clubs and Sports Gear
- Firearms Collections
- Fine Art and Antiques
There is no limit to the overall schedule size, making this program flexible for both small and large personal collections. You might have a client who recently inherited several valuable paintings or a high-net-worth individual with a rotating fine jewelry collection—both would be strong candidates for this coverage.
Coverage Highlights and Advantages
- Access to top-rated national carriers
- Full breakage coverage available for fine arts
- No appraisals required for items valued under $5,000
- Coverage available for individual items or scheduled collections
- Competitive terms for both admitted and non-admitted placements
Our coverage solutions are designed to protect against losses such as theft, accidental damage, and mysterious disappearance—critical protections for valuable personal assets.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the type and value of scheduled items, territory, and carrier. We work with agents to streamline submissions and ensure the best placement possible. Our underwriting team is responsive and well-versed in nuanced personal property exposures.
Territories and Availability
This program is available in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Why Work With Atlantic Specialty Lines, Inc.?
As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines, Inc. is committed to delivering excellent service and customized solutions. We value our agent relationships and pride ourselves on being a responsive, knowledgeable partner for your wholesale insurance needs. Our access to the United States Liability Insurance Group and other top-tier carriers ensures that you can confidently place even the most complex personal articles accounts.
Thank you for trusting Atlantic Specialty Lines, Inc. with your specialty insurance placements.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Articles Insurance program?
This program is well-suited for clients with valuable collections such as jewelry, fine art, musical instruments, and other high-value personal property that require specialized coverage beyond a standard homeowners policy.
Are there any limits on the schedule size?
No, there is no limit to the overall schedule size. We can accommodate both individual items and extensive personal collections.
Is an appraisal required for every item?
No. Items valued under $5,000 do not require an appraisal, allowing for easier quoting and faster placement.
Which states is this program available in?
Coverage is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
What carriers are used for this program?
We have access to "A" rated markets including United States Liability Insurance Group, providing strong financial backing and reliable claims service.
Need help placing an account? Connect with a market specialist.