Protect you valuables with a PAP

A personal article policy (PAP), sometimes known as a rider, provides additional coverage for jewelry, electronic equipment and other valuable items you own. These items might not be adequately covered by the limits in your standard homeowners policy if they are accidentally lost or damaged.

For example, if your laptop computer is accidentally damaged, your homeowners’ policy might not cover the claim.

A PAP can also cover items such as laptops, cameras, furs, musical instruments, silverware, gold ware, fine arts, collectible conies, stamps, antiques or other valuable items.

We recommend that you periodically update a list of these items, and review their values with your insurance agent, to ensure that you are adequately covered.

Finally, it’s always good practice to save receipts for proof of purchase and/or certificates of value if available.