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3 Things to Know About Insuring Personal Belongings

3 Things to Know About Insuring Personal Belongings
A family standing in front of a house

Holman Marketing
January 14, 2021

Home insurance can be tough to understand, and personal belongings are one part of your policy that can be overlooked or that you may have questions about. What is personal belongings coverage? How are they covered? How much are they covered for? How much personal coverage do you need?

We’ve put together the top three things to know about insuring personal belongings in order to unpack everything you need to know.

What is personal belongings coverage?

Personal property insurance is coverage in your principal insurance policy that can help pay to repair or replace your personal items after a covered loss. Whether your belongings are destroyed, lost, or stolen – clothing, furniture, or electronics, they’re covered by your personal property insurance, which is part of your homeowners, renters, or condo policy.

Here are three tips that will help ensure you have the level of personal property coverage you need.

What’s Covered?

To tackle the ‘what are examples of personal property?’ question- here’s a list of what is typically covered and what constitutes as personal belongings. Keep in mind that personal property insurance covers anything* that is not a permanent part of your home. So imagine that if you picked up your home and turned it upside down- personal items would qualify as all the stuff that would “fall out”.

  • Rugs
  • Window treatments
  • Furniture
  • Decor
  • Major appliances
  • Electronics and small appliances
  • Clothing
  • Sports equipment

*Higher-value items such as jewelry, artwork, fine wine, special collections, and such may need additional coverage.

How Much is Covered?

  • 70% of the value of your home is the usual limit for personal property coverage.
  • 50% is a minimum some companies provide, and you can pay more in your premium for higher coverage.
  • Coverage amounts vary based on your individual policy.


How Much is Paid?

If your coverage is based on Replacement Cost, your insurance company will pay you enough to cover the cost of a new one. If your coverage is based on Actual Cash Value, your insurance company will pay you a percentage of what the item cost when you first bought it, based on depreciation.

If you’re still not sure if you have the right personal property coverage in place or want to learn more, you can speak to one of our Holman experts today.