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).
Examples: How Personal Property Coverage Protects You
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Natural disaster coverage
House fire coverage
Personal property theft
Table 1: Coverage for Damage from Named Perils
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
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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*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.