06/01/2026
INSURANCE MATTERS MONDAYS - Personal Property Insurance
Personal property coverage is one of several components in a standard homeowner's policy, alongside dwelling coverage, liability coverage and additional living expense coverage. It addresses the contents of your home, not the structure itself.
What does personal property insurance cover?
Personal property coverage is designed to apply to movable items you own that are not permanently attached to your home's structure. This includes everyday belongings as well as higher-value items, up to your policy's coverage limits and sublimits.
Common examples of covered personal property include:
✅Furniture and home furnishings
✅Clothing and footwear
✅Electronics such as laptops, televisions, and phones
✅Appliances that are not built into the home
✅Jewelry, up to applicable sublimits
✅Musical instruments
✅Sporting goods and recreational equipment
✅Tools
One feature many policyholders are not aware of is that personal property coverage may apply to belongings outside your home as well. Examples of off premise coverage could include items stolen from your car, damaged in a hotel room or lost during travel may be covered up to your policy limits and sublimits, depending on the cause of loss and the terms of your specific policy.
As there are so many variables, if you have questions on what/how much coverage you need or what your policy currently covers, please don't hesitate to reach out.
- Darin
[email protected]
(503)565-2026