{"id":48357,"date":"2024-10-08T08:32:25","date_gmt":"2024-10-08T12:32:25","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=48357"},"modified":"2025-12-12T15:06:27","modified_gmt":"2025-12-12T20:06:27","slug":"personal-property-coverage-homeowners-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/personal-property-coverage-homeowners-insurance","title":{"rendered":"Does personal property insurance cover your home?"},"content":{"rendered":"\n<p>Whether you live in a home, condo or apartment, everyone values their possessions. They can make us feel comfortable and safe. This is why standard <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">homeowners insurance<\/a> policies include Personal Property coverage.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#coverage\">What is personal property insurance coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#property\">Scheduling Your Personal Property<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#works\">How Personal Property Coverage Works<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#need\">How Much Coverage Do You Need<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#perils\">Covered Perils<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"coverage\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">What is personal property insurance coverage<\/h2>\n\n\n\n<p>You may be wondering, \u201cWhat is personal property in home insurance?\u201d Personal Property coverage pays to replace your belongings if they\u2019re damaged or stolen due to a covered event, such as fire and <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-theft\">theft<\/a>. Also known as Coverage C, Personal Property is a standard coverage within your homeowners insurance, <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-condo-insurance-cover\">condo insurance<\/a> or <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-renters-insurance-cover\">renters insurance<\/a> policy.<\/p>\n\n\n\n<p>Here\u2019s a list of common personal items that people file home insurance claims for:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Protected by Personal Property Coverage<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Furniture<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Appliances<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Televisions<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Computers<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Electronics<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Clothing<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Bicycles<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Musical instruments<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>What home insurance may not cover<\/strong><\/h3>\n\n\n\n<p>Personal Property coverage is important, but it won\u2019t protect you in every situation. For instance, it won\u2019t help you if:<\/p>\n\n\n\n<ul><li><strong>Your possessions are damaged by a flood or earthquake<\/strong> \u2014 If you want protection from these natural disasters, you should consider buying a separate <a href=\"\/insurance\/flood\">flood insurance<\/a> policy and earthquake insurance policy.<\/li><strong>You rent out part of your home<\/strong> \u2013 Your homeowners insurance policy won\u2019t cover the tenant\u2019s personal property. They\u2019ll need to purchase a renters insurance policy to cover their possessions.<li><strong>Your home is under construction<\/strong> \u2013 Personal Property coverage doesn\u2019t apply to structures that are unoccupied or not fully built.<\/li><\/ul>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Standard home policy coverages<\/strong><\/h3>\n\n\n\n<p>As noted above, Personal Property coverage is typically included with your homeowners insurance policy. This means that it\u2019s not itemized as a separate cost that you can accept or decline. Here are the <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">coverages that come with a typical home policy<\/a>:<\/p>\n\n\n\n<ul>\n<li><a href=\"\/resources\/what-is-dwelling-insurance\"><strong>Dwelling<\/strong><\/a> \u2013 Covers damages to the physical structure of your home. It\u2019s used to repair or rebuild a home if it\u2019s damaged by a covered event, such as a fire or severe storm.<\/li>\n<li><a href=\"\/resources\/other-structures-coverage\"><strong>Other structures<\/strong><\/a> \u2013 Pays to repair or replace structures on your property that are disconnected from the main house, such as a garage, fence or shed.<\/li>\n<li><strong>Personal property<\/strong> \u2013 Covers the cost of personal property damage or theft. Applies to possessions inside and outside of the home, such as furniture, clothing and computers.<\/li>\n<li><strong>Additional living expenses (or loss of use)<\/strong> \u2013 Reimburses you for lodging, meals and other related expenses if you need to vacate your home due to severe damage.<\/li>\n<li><a href=\"\/resources\/what-does-homeowners-liability-insurance-cover\"><strong>Personal liability<\/strong><\/a> \u2013 Protects you if you\u2019re legally responsible for property damage or injuries to others. It may help pay for legal expenses, medical bills and other costs.<\/li>\n<\/ul>\n\n\n\n<a id=\"property\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Scheduling your personal property<\/h2>\n\n\n\n<p>Most home insurance policies place a dollar limit on coverage for the value of a single personal item. These are called sub-limits. However, certain high-value items, such as jewelry and furs, may be worth more than their sub-limit amount.<\/p>\n\n\n\n<p>The good news is that you can purchase additional coverage to cover expensive personal items to their full value. Buying this extra coverage is called scheduling your property. It\u2019s also known as adding an endorsement or rider.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Examples of High-Value Items<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Jewelry<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Furs<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fine art and antiques<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Stamps and other collectibles<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Firearms<\/span><\/li><\/ul><\/div>\n\n\n\n<p>Scheduling personal property requires that you tell the insurance company up front about each individual item and what you paid for it. This will make the claim settlement process go a lot more smoothly.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>EXAMPLE<\/strong><\/h3>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>If you DON\u2019T schedule a $10,000 watch<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:50%;\"><strong>If you DO schedule a $10,000 watch<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Your insurer will only reimburse you up to the sub-limits on your policy, which may only be $1,500 for jewelry.<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">You\u2019ll be reimbursed the scheduled amount of the watch for covered claims. This is usually the replacement cost value (as opposed to the actual cash value).<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Should I schedule each piece of jewelry individually or collectively?&nbsp;<\/strong><\/h3>\n\n\n\n<p>The best way to protect your valuable jewelry is to individually schedule each item. This way, if they\u2019re damaged in a fire, your homeowners insurance carrier already knows the pieces of jewelry you own and the years they were bought.<\/p>\n\n\n\n<p>Another option is to purchase blanket coverage for your jewelry collection. Blanket coverage is an endorsement that covers multiple pieces of personal property from the same category, such as jewelry, fine art or silverware. With this type of coverage, you don\u2019t need to provide details on each item up front.<\/p>\n\n\n\n<a id=\"works\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How personal property coverage works<\/h2>\n\n\n\n<p>If your personal property is damaged or stolen, you need to file a claim with your homeowners insurance carrier. When you file the claim, be sure to include the following:<\/p>\n\n\n\n<ul style=\"margin-bottom:20px;\"><li>Photos or videos of the items<\/li><li>A detailed list by room of the items and, if possible, their brand, manufacturer, model number, age and condition<\/li><li>Any documents that prove the value of the items<\/li><\/ul>\n\n\n\n<p>The claims adjuster from your home insurance company will then assess your claim and determine a payment amount.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Actual cash value vs. replacement cost value<\/strong><\/h3>\n\n\n\n<p>How much your home insurance company pays to replace your damaged or stolen personal items depends on whether your policy provides for <a href=\"https:\/\/www.plymouthrock.com\/resources\/things-you-should-know-about-homeowners-insurance\">ac<\/a><a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-roof-leaks\">tual cash value<\/a> or replacement cost value. Here\u2019s a quick explanation of the difference:<\/p>\n\n\n\n<ul style=\"margin-bottom:20px;\"><li><strong>Actual cash value<\/strong>\u00a0\u2013 Pays you what the item is worth at the time of the loss (i.e., its depreciated value). It factors in age and wear and tear.<\/li>\n<li><strong>Replacement cost value<\/strong>\u00a0\u2013 Pays you to replace the item with a new, similar item, without considering age and wear and tear.<\/li>\n<\/ul>\n\n\n\n<p>Let\u2019s say a fire destroys your leather couch, which you purchased for $2,000 three years ago. With actual cash value, you could receive what your sofa is worth today\u2014which may only be $1,400 due to depreciation. With replacement cost value, you could receive enough to buy a new sofa with the same basic specs. In this case, that may be $2,200 due to inflation.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Should I get actual cash value or replacement cost value?<\/strong><\/h3>\n\n\n\n<p>You should always consider the coverage that is best for your particular situation. Generally speaking, though, replacement cost coverage is a better option because it will reimburse you for the cost to buy new items similar to those you lost. By contrast, actual cash value will reimburse you based on the depreciated value of your belongings. Bear in mind that replacement cost value will cost you a few extra dollars a year.<\/p>\n\n\n\n<a id=\"need\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How much coverage do you need<\/h2>\n\n\n\n<p>How do you know if you have enough Personal Property coverage? As a homeowner, you want enough coverage to replace all your personal belongings if your home was completely destroyed. To figure out the approximate value of your belongings, create an inventory of everything you have in your home. These tips will help you:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center; font-size:16px;\"><strong>Make a List<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"font-size:16px; line-height:21px; height:100px;\">Write down how much you bought each item for, the year you bought it and any serial numbers (e.g., on appliances).<br \/>&nbsp;<br \/><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center; font-size:16px;\"><strong>Document Items<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"font-size:16px; line-height:21px; height:100px;\">If possible, take pictures of the items and store them electronically. You should also keep original receipts.<br \/>&nbsp;<br \/><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center; font-size:16px;\"><strong>Store It in the Cloud<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"font-size:16px; line-height:21px; height:100px;\">Laptops can be stolen, so try keeping your list in a cloud-based digital folder that can be accessed from more than one device.<br \/>&nbsp;<br \/><\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Typical coverage amount<\/strong><\/h3>\n\n\n\n<p>Most policies offer Personal Property coverage that is between 50% and 75% of your home\u2019s Dwelling coverage (also known as Coverage A) amount. Therefore, if you have $300,000 of Dwelling coverage, you should have between $150,000 and $225,000 of coverage for your personal belongings. Remember, you can always increase that coverage if you want.<\/p>\n\n\n\n<p>Check the declarations page of your home insurance policy to confirm your exact Personal Property coverage amount.<\/p>\n\n\n\n<a id=\"perils\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Covered perils<\/h2>\n\n\n\n<p>Personal Property coverage will pay to repair or replace your belongings as long as the damage or loss occurred because of a problem covered by the policy. These causes are known as named perils and vary by state. Here are the perils that are typically covered by a standard home insurance policy:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Examples of Named Perils<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Explosion<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Falling objects<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fire<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Hail<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Lightning<\/span><\/li>\n<li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Smoke damage<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Theft<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Vandalism<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Weight of ice, snow or sleet<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Wind<\/span><\/li><\/ul><\/div>\n\n\n\n<p>For example, if high winds cause a tree to <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-roof-leaks\">smash through you<\/a><a href=\"\/resources\/does-home-insurance-cover-roof-leaks\">r roof<\/a> and rain soaks everything in your room, Personal Property coverage could pay to repair or replace your damaged items.<\/p>\n\n\n\n<p>Or, if a burglar breaks into your car and steals your laptop, your Personal Property coverage could cover the cost to buy a new one.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Open-peril policies<\/strong><\/h3>\n\n\n\n<p>If you\u2019re looking for more coverage, an open-peril policy (also known as an HO-5 home insurance policy) has broader protection for personal property. With an open-peril policy, anything that\u2019s not specifically listed on your policy as an exclusion is covered. Not all insurance companies offer this type of policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personal Property coverage pays to replace your personal items if they\u2019re damaged or stolen. Does your home insurance policy cover you?<\/p>\n","protected":false},"author":6,"featured_media":48356,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-48357","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal property insurance coverage | Plymouth Rock Assurance<\/title>\n<meta name=\"description\" content=\"Does your home insurance cover your personal belongings? Personal Property insurance coverage pays to replace and cover the loss of items if they are damaged or stolen. Read this blog to learn when you can file a personal property coverage claim and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/personal-property-coverage-homeowners-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does personal property insurance cover your home?\" \/>\n<meta property=\"og:description\" content=\"Does your home insurance cover your personal belongings? Personal Property insurance coverage pays to replace and cover the loss of items if they are damaged or stolen. 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