Personal Property Coverage
Protects your personal belongings from theft, damage, and loss—both at home and away.
What is Personal Property Coverage?
Personal property coverage (Coverage C) protects your belongings if they're damaged, destroyed, or stolen. This includes furniture, clothing, electronics, appliances, and other personal items.
Standard coverage is typically 50-70% of your dwelling coverage amount. If your home is insured for $300,000, you'd have $150,000-$210,000 in personal property coverage.
What's Covered?
Furniture
Sofas, beds, tables, chairs
Electronics
TVs, computers, phones
Clothing & Jewelry
Wardrobe, accessories
Appliances
Washers, dryers, microwaves
Sports Equipment
Bikes, golf clubs, gear
Tools & Equipment
Power tools, lawn equipment
Coverage Limits for Special Items
Important: Standard policies have sub-limits for certain valuable items:
- • Jewelry: $1,500-$2,500 total
- • Cash & coins: $200-$500
- • Firearms: $2,000-$2,500
- • Electronics: $2,500-$5,000
- • Art & collectibles: $1,500-$2,500
For higher-value items, consider scheduling them separately or adding a floater policy.
Replacement Cost vs. Actual Cash Value
Replacement Cost (Recommended)
Pays to replace items with new ones of similar kind and quality.
Higher premiums, but full value replacement
Actual Cash Value
Pays replacement cost minus depreciation.
Lower premiums, but less payout
Average Cost
Annual Premium (Personal Property Portion)
$200-400/year
Typically 15-20% of total home insurance cost
What coverage level do you need?
Choose the protection that matches your requirements