Collectibles insurance
Cover collections like toys and memorabilia.
What’s Personal Property Plus insurance?
Personal Property Plus helps protect things like jewelry, sports equipment, cameras and bikes.
It offers more protection than a homeowners or renters policy by covering a wider range of accidental damages and losses. Plus, there’s no deductible.
Get coverage for your jewelry.
Protect things like fine jewelry and different types of watches.
A blanket policy covers your collection for up to $10,000. You’ll choose a per item limit of $2,500, $5,000, $7,500 or $10,000. This is the most we’ll pay for each individual piece in your collection.
For example, you chose a $7,500 per item limit because you have a have a $6,000 ring and other less expensive pieces. While on vacation, you lose that ring, a $400 bracelet and a $1,000 necklace. They're all covered because each is under the per item limit and collection limit of $10,000.
You can also get a scheduled policy with coverage starting at $100. This helps you insure single items or a collection valued over $10,000.
Help protect what you take on deployment.
Personal Property Plus helps cover the things you take with you when you deploy or mobilize.
You can get a blanket policy that covers your things for up to $2,500.
Personal Property Plus FAQ
Most homeowners and renters policies cover personal property items. But keep in mind these policies:
- May not cover the full value of more expensive items like jewelry, guns, cameras or bikes.
- Have a deductible when filing a claim.
- Don’t cover lost or accidentally damaged items.
- May increase in cost after filing a claim.
With Personal Property Plus, you can get extra coverage for special items, including the expensive ones. And you won’t pay a deductible if you file a claim.
Yes. Personal Property Plus covers this gap for you. Auto policies usually offer limited coverage for things stolen from your car.
In general, you need to describe the item with enough details so we can find a replacement. We’ll also need an approximate value to insure it. Later, if there’s a loss, you’ll need to provide proof of ownership and value.
Depending on the item, you may also need an appraisal. When you ask for a quote, we’ll let you know if your item needs an appraisal. You can upload appraisals, item descriptions, photos and receipts on usaa.com.