Your typical home insurance policy covers the items you own, among other types of protection. But what personal belongings are covered by home insurance? Keep reading to discover the answer and learn more about home insurance.
What Personal Belongings Are Covered by Home Insurance?
Personal property coverage is the part of your home insurance policy that pays the cost of the items you own if they are damaged or destroyed as a result of a covered accident. This includes:
- Clothes
- Shoes
- Sports equipment
- Furniture
- Items stored off-premises
Items that are particularly expensive such as jewelry, artworks, and silverware are covered, but only up to a set dollar amount.
If you have expensive or rare items in your house, then it’s advisable to insure them with a rider, which is an add-on that extends or modifies the coverage of your home insurance policy.
To determine how much personal property coverage you need, make an inventory of the belongings in your house and tally up the costs of all the items. That will give you a sense of how much coverage you need.
The Components of a Home Insurance Policy
Of course, home insurance covers so much more than your personal belongings. Your typical home insurance policy offers four types of protection;
- The structure of your home (dwelling coverage)
- Personal property
- Liability protection
- Additional living expenses
Keep in mind that every policy is unique, so if you are shopping around for home insurance it’s always a good idea to take your time to do research and ask all the questions you feel are necessary to really understand your coverage.
If you already have insurance, set aside time to read the terms of your policy and make sure you have enough coverage.
To learn more about home insurance, be sure to check out our previous blogs, “Homeowners Insurance: 6 Extra Coverages You Should Consider” and “Are You Required to Have Homeowners Insurance in Texas?”
BZ Bee Insurance: Home Insurance in Texas
Looking for high-quality home insurance? At BZ Bee, we understand our clients’ needs and go out of our way to help you find coverage that meets your needs.
To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
