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?

expert avatar


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.

Home Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store