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What is considered personal property in home insurance?
I just bought my first house after renting for most of my life. While it’s exciting, I’m overwhelmed by all the insurance language and don’t know what I need coverage for! What is considered personal property in home insurance?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on making the leap from renter to owner! And we understand,
home insurance terms
can get a little confusing. Personal property in home insurance is your personal belongings that are temporary or moveable. This can include your furniture, clothes, electronics, etc.—anything that your renters insurance previously covered.
However, certain valuables like jewelry and fine art aren’t considered standard personal property under home insurance. To insure those, you will need to purchase additional coverage or an endorsement.
- Fire and smoke damage
- Windstorms and hail
- Vandalism
- Theft
- Power surge damage
If an uncovered peril damages your personal property, you won’t have coverage. For example, if an earthquake damages your couch and you don’t have an earthquake policy, you’ll be on your own to get a new sectional.
Before signing up for a new home insurance policy, be sure to speak with an agent to confirm your coverage and what the policy qualifies as personal property. Also, shop around with multiple companies to find the best rate and coverage.
If you want cheap home insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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