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Personal Property Coverage, also known as Coverage C in a homeowners insurance policy, protects the belongings inside your home including furniture, clothing, electronics, appliances, and everyday valuables if they are damaged, destroyed, or stolen due to a covered peril.
Whether your belongings are lost due to fire, burglary, vandalism, or storm damage, personal property insurance helps pay to repair or replace your items, reducing the financial impact of unexpected loss.
We ensure your personal belongings are covered against common risks like theft, fire, and vandalism — at home and away.
We help you secure replacement cost protection so your belongings are reimbursed at full value, not depreciated amounts.
From jewelry and fine art to high-end electronics, we tailor coverage limits to reflect your lifestyle and possessions.
Our claims specialists assist with documentation, inventory creation, and valuation to ensure fast, fair reimbursement.
Personal property coverage typically applies to:
Furniture, clothing, and household items
Electronics and appliances
Belongings stored in garages or sheds
Personal items temporarily outside the home, such as in your car or storage unit
While Dwelling Coverage protects your home’s structure, personal property coverage ensures the things that make your house a home can be restored after a loss.
No. Coverage often extends to items temporarily outside your home, including possessions in your car, garage, or while traveling.
Replacement cost value (RCV) reimburses the full cost to replace an item with a new one, while actual cash value (ACV) deducts for depreciation.
Standard policies have sub-limits for jewelry, art, and collectibles. These items may require scheduled personal property coverage for full protection.
Covered perils include fire, theft, vandalism, smoke, lightning, and certain types of storm damage. Flood and earthquake losses are excluded unless separately insured
It’s recommended to inventory your belongings and estimate their replacement cost to ensure your policy provides adequate coverage for everything you own.
It provides financial protection and peace of mind, ensuring your belongings can be replaced or repaired after unexpected losses without major out-of-pocket expenses.
Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.
