Does home insurance cover your belongings inside your property?

Answered by Home Insurance, Car Insurance Expert Savannah on December 29, 2020

I know insurance covers my home's physical structure, but what about the things inside?

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Savannah

Home Insurance, Car Insurance Expert

Yes, you have coverage on your policy that is specifically for your belongings called “Coverage C”. This coverage type is also called “personal property coverage” and it covers things like furniture, electronics, and clothing. However, it does not cover everything and there are payout limits for certain belongings, including jewelry, watches, fur, artwork, and firearms, just to name a few. So you should check with your insurance agent to make sure you have all the coverage you need on your policy.


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