Personal Property Coverage
Insurance protection for your belongings, such as furniture, clothing, electronics, and other items, against covered perils.
Detailed Explanation
Also known as Coverage C or contents coverage, this typically equals 50-70% of your dwelling coverage and may have sub-limits for valuable items like jewelry or electronics. It can be based on actual cash value or replacement cost.
Practical Example
After a pipe burst and flooded Amanda's basement, her personal property coverage helped replace her damaged furniture, exercise equipment, and stored clothing based on replacement cost.
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