Personal property coverage is a part of a homeowners insurance policy that protects the belongings inside and around the home. This includes everyday items such as furniture, clothing, electronics, and appliances, as well as many personal items that homeowners may not realize are insured.
Many homeowners assume their belongings are fully protected without understanding how personal property coverage actually works. Coverage limits, valuation methods, exclusions, and special limits for certain items can significantly affect claim payouts after a loss.
This section explains personal property coverage in plain English, including what types of items are typically covered, how coverage limits are set, how losses are valued, and where gaps commonly occur. These guides are designed to help homeowners understand how protection applies to their belongings before a loss happens.
Articles in This Section
• What Is Personal Property Coverage in Homeowners Insurance
• What Items Are Covered Under Personal Property Coverage
• What Personal Property Coverage Does Not Cover
• How Personal Property Coverage Limits Are Determined
• Replacement Cost vs Actual Cash Value for Personal Property
• How Deductibles Apply to Personal Property Claims
• What Triggers a Personal Property Insurance Claim
• Common Personal Property Coverage Exclusions
• Special Limits on Personal Property Coverage Explained
• How Personal Property Coverage Applies After Theft
• How Personal Property Coverage Applies After Fire or Smoke Damage
• How Personal Property Coverage Works for Items Damaged Outside the Home
• High-Value Items and Personal Property Coverage
• Scheduled Personal Property Coverage Explained
• How Home Inventory Affects Personal Property Claims
• When Personal Property Coverage Is Not Enough
• Common Personal Property Coverage Gaps Homeowners Miss
• How to Review and Adjust Personal Property Coverage
• How Personal Property Coverage Interacts With Other Policy Coverages
• When to Update Personal Property Coverage Limits
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