The contents of your home are made up of all the different things you own in and around your house.

What is covered under personal property insurance. Renters insurance covers personal property but consider increasing limits. So if youre a renter and a fire in your kitchen destroys your stuff or someone breaks in and steals your TV youre covered by your personal property coverage. There are three components to homeowners insurance.

Accidental damage you cause to any part of the apartment building or home youre renting. Personal property coverage covers losses caused by the same perils as dwelling coverage. The best line of action is to take a comprehensive inventory of all your belongings and know the value of it each item.

Dwelling personal liability and personal property coverage. Regular personal property such as a television or personal use computer is covered under your policy up to your personal property limit. Home Blog What is Covered Under Commercial Property Insurance.

Home insurance can cover living expenses if you are temporarily unable to live in your home due to an insured loss and most standard policies protect you from financial liability in case someone is injured on your property or if you cause damage to someone elses property. That said this is a bit different for valuable items like jewelry sports equipment fine art etc since these things usually have sublimits which means max amount your insurance company will cover you for. As a condo owner youll need a condo insurance policy to protect the interior of the condominium unit and your personal belongings inside.

Personal property stolen from your vehicle. Personal property covers you if. What Is Personal Property Coverage.

Property insurance can include a number of policies such as homeowners insurance renters insurance flood insurance and earthquake insurance. Customer or client injury onsite. Fire damage to property and contents within.