Personal Property

Personal Property coverage protects the items you own inside your home, such as furniture, clothing, electronics, and appliances. This coverage is ‘Worldwide,’ meaning your belongings are protected even if they are stolen from your car while on vacation. However, standard policies have ‘Special Limits of Liability’ for high-value items like jewelry, firearms, and fine art. To fully protect these items, you often need to ‘Schedule’ them separately on your policy.