Understanding Personal Property
Take your home and flip it upside down. Anything that doesn’t stick is considered personal property. Personal property includes general household items, furniture, clothing, jewelry, appliances, computers, kitchenware, etc.

Coverage for personal property is combined with your initial homeowners policy, and is based on the estimated total value of your belongings. The minimum amount available for purchase is $15,000, but coverage can range anywhere between $100,000 or more.