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Personal Property Coverage, also known as Coverage C in a Homeowners Insurance policy, protects the belongings inside your home — from furniture and clothing to electronics, appliances, and valuables — if they’re damaged, destroyed, or stolen due to a covered peril.
Whether it’s a fire, burglary, or storm that causes loss, this coverage helps pay to repair or replace your personal possessions. It typically applies to both items inside your home and those temporarily outside it, such as belongings in your car or storage unit.
Your home itself is protected under Dwelling Coverage, but your belongings are what make it yours. Personal Property Coverage ensures that the things you rely on every day can be restored or replaced after an unexpected loss.
We make sure your belongings are covered against common risks like fire, theft, and vandalism — whether they’re inside your home or traveling with you.
We offer Replacement Cost Coverage, so your items are reimbursed for their full value, not depreciated cash value — giving you more financial security after a loss.
We help you tailor your policy to reflect your lifestyle, adjusting limits for high-value items such as jewelry, art, or electronics.
Our claims specialists guide you through inventory documentation and replacement, ensuring fair valuation and prompt reimbursement.
It covers personal belongings such as furniture, electronics, clothing, and appliances that are damaged, destroyed, or stolen due to a covered event like fire or theft.
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.
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