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Personal Property Coverage

Personal property coverage pays for your belongings inside the home, such as furniture, electronics, and clothing. It is usually set as a percentage of your dwelling limit and has sub-limits for categories like jewelry and electronics.

Covers your belongings inside the home: furniture, electronics, clothing, kitchen items. Usually a percentage of the dwelling limit. Example: with a $400,000 dwelling limit at 50 percent personal property, you have $200,000 for contents. Sub-limits cap categories like jewelry at $1,500 and firearms at $2,500 unless you schedule them separately.