What Does Personal Property (Contents) Damage Cover?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Contents (personal property) coverage is a typical component of all homeowner’s and renter’s insurance policies. Personal property refers to all tangible goods commonly found inside your residence and owned by you or family members who live with you. Examples of personal property include your clothes, furniture, furnishings, and appliances. Coverage for automobiles, aircraft, and other vehicles is typically excluded.

Your policy will have an overall limit on how much it will pay for all personal property involved in a single claim. The typical limit is at least 50% of the home’s insured value. The policy, however, will have separate limits on such items as computers, antiques, silverware, cash, firearms, works of art, furs, and so forth.

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