Does home insurance cover your belongings inside your property?

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.