Personal Articles & Jewelry Insurance in Florida – The Marcus Group

Why Personal Articles & Jewelry Insurance Matters in Florida

Your valuables tell a story — your engagement ring, heirlooms, watches, or fine art. Unfortunately, these cherished possessions are often underinsured or excluded from standard homeowners policies.


That’s why personal articles insurance — sometimes called scheduled property insurance — is essential. It provides worldwide protection for your most valuable items, covering loss, theft, or damage that homeowners insurance might not.


At The Marcus Group, we help individuals and families across Florida safeguard what matters most with affordable, customized coverage.

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Personal Articles & Jewelry Insurance

What Personal Articles Insurance Covers

When you insure your valuables with The Marcus Group, your coverage can include:

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Jewelry & Watches

Protection against loss, theft, or damage — even away from home.

Fine Art & Collectibles

Coverage for paintings, sculptures, antiques, and limited-edition pieces.

Designer Handbags & Luxury Accessories

Insures fashion items that often exceed standard homeowners policy limits.

Covers accidental damage, theft, and loss during travel or performances.

Musical Instruments & Cameras

Sports Equipment

Protection for golf clubs, bicycles, and other high-value gear.

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Common Add-Ons & Optional Coverage

We tailor personal articles insurance policies for Florida clients with options like:

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Worldwide Coverage

Protection for valuables whether you’re at home, on vacation, or traveling abroad.

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Agreed Value Coverage

Guaranteed payout for the insured item’s appraised value if lost or stolen.

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Mysterious Disappearance Protection

Covers items that go missing without explanation (common with jewelry).

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Unscheduled Property Riders

Flexible options for collections or items without individual appraisals.

Who Needs Personal Articles & Jewelry Insurance in Florida?

Local Risks to Consider

In Florida, valuables face unique risks that make specialized coverage essential:



  • Hurricanes & Flooding – Natural disasters can damage or destroy valuables.

  • High Theft Rates – Urban areas like Broward and Miami-Dade see increased theft claims.

  • Travel Exposure – Frequent travelers risk loss or damage outside of home coverage limits.

  • Home Break-Ins – Jewelry and electronics are the top targets during burglaries.

FAQs – Jewelry & Personal Articles Insurance in Florida

  • Does homeowners insurance cover jewelry?

    Only up to limited amounts (often $1,000–$2,500). Personal articles insurance provides full-value coverage.

  • Do I need appraisals for my valuables?

    Yes, appraisals ensure accurate coverage and guaranteed value in case of a loss.

  • Does coverage include accidental loss?

    Yes — many plans include coverage for accidental damage or “mysterious disappearance.”

  • Is my jewelry covered while traveling?

    Yes. Personal articles insurance provides worldwide coverage.

  • Can I add items later?

    Absolutely. You can update your policy anytime as your collection grows.

Protect What Matters Most

Get the Right Jewelry & Valuables Insurance in Florida

At The Marcus Group, we understand the sentimental and financial value of your most prized possessions. With local expertise and access to top-rated carriers, we’ll help you insure what matters most — wherever life takes you.