Personal Articles Policies

Are your valuables protected from loss for their full value? Ordinary home insurance by itself rarely covers the full value of property including jewelry, antiques, art and other collectibles. In fact, most policies don't cover the simple loss of a stone from a diamond ring.

Items with limited coverage by home insurance:

  • Jewelry
  • Antiques
  • China and silverware
  • Guns
  • Collections such as coins, stamps or baseball cards
  • Fine art
  • Musical instruments
  • Cameras
  • Wine

Did you know:

  • The value of precious metals has increased dramatically over the years, which means that ring you purchased for a few hundred dollars might now be worth a few thousand.
  • It's important to get regular appraisals of your valuables. Contact your jeweler or gallery for more information.
  • Insurance to protect your valuables is probably less expensive than you think. A quick conversation with your insurance agent will help you determine if you have enough coverage.

Protect yourself

You may be surprised at the value of your possessions. An Insurance Advisor can provide you with a personal articles policy to give you additional coverage above and beyond your home policy. If you would like to review your policy or if you have any other insurance needs, call us at 1-800-443-6316.


Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank.

This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

1-800-443-6316
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