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Personal Property

Home is where the heart is and, usually, where all your stuff is. Let us free your mind of worry by protecting the things that make your home more than just four walls and a roof.


Basic coverage

All of our home, condo, and renters insurance policies come with personal property coverage. Personal property coverage protects all your stuff—your furniture, clothes, jewelry, electronics, appliances, sports equipment, and collectibles. If these things get damaged, stolen, or lost, we help to replace them.

 

Extra coverage options

We offer a flexible assortment of coverages that go with personal property to provide more protection for your belongings.

 

Replacement cost

Adding this popular coverage to your policy means damaged belongings can be replaced with new items instead of getting reimbursed for the market value. That’s a new camera even if the one damaged was three years old!

 

Valuable personal property

Looking for jewelry insurance? If you have high-value items, like an engagement ring or a piece of artwork, we can provide more coverage so you can rest easy knowing your special belongings are taken care of. 

 

Business personal property

If you have personal property that is used in a business, we offer higher limit options for those items. 

 

Personal property in other residences

Belongings stored at a separate home can be covered at increased limits with this coverage.

 

Get a home quote

Let us focus on your home insurance so you can live your life.


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Get answers from our insurance experts.
    • Nobody wants unexpected expenses. So how can you plan for these expenses such as damages to something you own or injuries to others? Having a home or renters insurance policy! Listed below are some examples of how renters insurance could protect you.
    • According to the U.S. Department of Energy, heating and cooling account for nearly half of a home’s energy costs—over $900 each year. Smart thermostats can help control costs by providing more control over home temperature. A smart thermostat is a Wi-Fi enabled device that automatically adjusts temperature settings in your home for optimal performance.
    • Spring may be the season typically associated with cleaning, but it’s just as important to do cleanup around the home in fall. Putting things in order and tending to minor maintenance now can help homeowners avoid insurance claims and other problems when winter weather arrives.
    • I probably don’t have to tell you this, but winter isn’t too far away. That means more temperate weather for our friends in the south—and cold for our friends in the north. No matter where you live, you can use these simple tips to help organize your garage.

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    RESOURCES


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    Glossary

    Check out our glossary to help you understand your policy.


    FAQs


    Have questions? We have answers.


    Yes, your belongings are covered while traveling anywhere in the world. There may be limits for specific items, so check with your agent before you leave. 


    Yes, insurance coverage extends to personal property that is located somewhere other than your home.