Personal Inland Marine

Because some valuables belong outside the safety deposit box, our Inland Marine policy provides special coverage for distinctive items such as jewelry, fine arts and silverware. Coverage for these types of items might otherwise be excluded or limited on your insured's standard Homeowners policy.

Contact your Underwriter at Sovereign or or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Effect Eligibility:

  • Risks with a Bankrupty within the past three years
  • Fine arts without a Central Station alarm
  • Prior losses exceeding $5,000
  • Gems not in a setting

Prohibited Business

  • Professional use of musical equipment
  • Rock Groups for musical equipment
  • Extensive travel
  • Two or more losses in the last three years
  • Computer equipment
  • Fine Arts for artist's own work
  • Collectors baseball cards, comic books, etc
  • Any risk in foreclosure, repossession or bankruptcy proceedings
Effective Date: 06/27/2007