Personal property insurance coverage is most often listed on the homeowner’s insurance policy as “Coverage C”. Personal property coverage is a separate limit of insurance from the building coverage on the home itself.
Personal property covers your “stuff,” including tables, chairs, clothes, dishes, electronics, jewelry, artwork, etc. However, it is important to know that certain types of personal property, like electronics, jewelry, and artwork, have special sub-limits that limit coverage. Always be aware of these sub-limits and make sure each meets your unique need.