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    Personal Property Insurance Coverage

    Coverage in Your Standard Homeowners Policy

    • Receive coverage for furniture, electronics, jewelry and other kinds of belongings
    • Repair or replace personal possessions that were damaged in covered events, up to your policy limits
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    What does personal property insurance cover?

    Personal property insurance covers your household belongings. If a covered incident leaves them damaged or lost, you may receive reimbursement for the cost of repairs or replacement (after paying the policy deductible).

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    How Personal Property Coverage Protects You

    Answering the question of “What is personal property coverage?” means more than a simple definition. These real-life scenarios can show how it protects you when the unthinkable happens.
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    Did you know?

    “Personal property insurance does not cover damages caused by floods or earthquakes. Homeowners in certain high-risk areas may need to purchase additional coverage.”
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    Natural Disaster Coverage

    In most policies, your belongings are covered for getting damaged or destroyed in wildfires, windstorms, tornadoes and more. Under certain conditions, personal property protection may also cover damage from smoke, ice, snow and sleet.
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    House Fire Coverage

    Flames and smoke from a house fire can damage and destroy your valuable belongings. Personal property insurance may cover these losses. This makes restoring and replacing easier.
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    Personal Property Theft

    The cost of replacing your stolen property may be more than you think. Silverware, rugs, tools, and cabinets can all be covered under the standard policy.

    Table 1: Coverage for Damage from Named Perils

    If any of the items in this table are damaged or destroyed due to a peril that’s named on your policy, your policy provides coverage up to the limit listed. You can choose additional coverage to increase these limits.

    Asset

    Coverage Limit

    Jewelry, Gemstones, Watches and Furs
    $2,000
    Money, Banknotes, Coins
    $300
    Stamps, Securities, Passports and Tickets
    $1,500
    Business Property
    $1,500
    Trading Cards and Comic Books
    $2,500
    Watercraft (Including Trailers and Accessories)
    $1,500

    Table 2: Coverage for Theft

    This table highlights your coverage limits for the theft of certain types of property, like the items below. You can choose additional coverage to increase these limits.

    Asset

    Coverage Limit

    Flatware and Tableware
    $5,000
    Rugs and Tapestries
    $10,000
    Tools, Tool Boxes, Benches and Cabinets
    $7,500
    Firearms and Related Accessories
    $5,000
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    Frequently Asked Questions

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    *Your policy provides limited coverage when surface water comes into your home from a human-made source such as sprinkler systems, garden hoses and swimming pools. However, if the release of water from these sources doesn’t occur on your property, the resulting water damage is not covered. Your policy excludes water damage from all other sources when water comes into your home. Your policy excludes water damage due to sewer back-up, septic back-up and sump overflow unless special coverage is purchased for this type of loss. Please see your agent for details on this coverage.

    The information represents a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Please check with your agent and read your policy for exact details on coverages and exclusions.