Insurance Products

Personal Property Replacement Coverage

Personal Property Replacement Coverage offers greater peace of mind, and adds significant value to your home insurance plan.

What is personal property replacement coverage?

This additional homeowners insurance endorsement replaces destroyed or damaged items with comparable items, with no deduction for depreciation. The personal property replacement insurance option differs from traditional property coverage, which pays for the cash value of items minus depreciation.

So, for an additional percentage of the premium, personal property replacement coverage can offer you the replacement cost of personal property as if it were new.

The personal property replacement option covers your home, garage and most property items, like home furnishings, appliances, clothing and electronics. However, there are some restrictions – it does not apply to business property, paintings, one-of-a-kind items like antiques and certain other items.

Interested in finding out if personal property replacement coverage is right for you? Talk to someone you can trust to protect your dreams – an American Family Insurance agent.

Additional Resources to Help Protect Your Home

Want additional information to help protect your residential property? Check out our home protection resources in the American Family Insurance Learning Center.

And while you’re at it, discover how DreamVault, our Web-based home inventory tool, can help you take stock of your dreams.

This summary represents only a brief description of coverages. Coverage features and limits vary by state. Some products are not available in every state. Please check with your agent, and read the policy for exact details on coverages and exclusions. .

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