Definition
Personal property coverage protects your belongings—furniture, electronics, clothing. Typical coverage is 50-70% of dwelling coverage limit.
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Personal property coverage typically covers contents up to a percentage of dwelling coverage. Standard limits are 50-70% of dwelling coverage. High-value items like jewelry or art may require scheduled items. Coverage applies to theft, damage, and loss.
Pro Tip
Photograph valuable items and keep receipts. Documentation simplifies high-value claims.
Example
A $400,000 home typically includes $200,000-$280,000 personal property coverage for contents.