15 Personal Items Not Covered By Default In Homeowners Insurance
Most all home insurance policies have a line called Coverage C: Personal Property. This coverage is used for all the loose belongings in your home. However, there are special sub-limits within most homeowners policies for the following 15 categories of personal items:
If you have high value items in any above categories, you can schedule individual items if they are worth over $5,000 (an engagement ring) or buy blanket coverage to increase the sublimit (your computers). Note that if you schedule a high value item, you will likely need to provide a receipt if it was purchased in the last 12 months or provide an appraisal from a licensed appraiser if it was purchased more than 12 months ago.
Now you know how to ensure your personal items are fully protected!
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