What is personal property insurance? Personal property coverage can cover your belongings such as furniture, clothing, sporting goods or electronics in the event of a covered loss. You can protect what you own whether items get damaged at your home, an apartment or anywhere in the world.
Personal property limits Your personal property coverage limit is typically 50% of your dwelling limit, though this may sometimes be increased or decreased. Homeowners policies may also have additional coverage limits called sub-limits for specific items like jewelry and firearms.