Home insurance isn’t just for the actual structure of a house. It usually offers several other protections, including personal property coverage. Here’s how a home insurance policy would likely cover things in your Chandler, AZ house.
Personal Property Coverage in Home Insurance
Typically, a standard home insurance policy includes personal property coverage. This means that your belongings, such as furniture, electronics, clothing, and other personal items, are protected against specific perils like theft, fire, and certain natural disasters. However, the extent of coverage and the limits can vary depending on the policy.
Coverage Limits and Exceptions
While most belongings are covered under a standard home insurance policy, there are usually limits to the amount the insurance company will pay for certain items. High-value items like jewelry, art, and collectibles may require additional coverage.
Reviewing your home insurance policy’s terms with a knowledgeable insurance agent is essential. We at San Marcos Insurance Group can help.
Additional Coverage Options
If you have high-value items and want them better protected, consider additional coverage options or riders. These can provide higher limits or cover risks not included in a standard policy.
Protect Your Possessions
When getting home insurance, don’t just focus on the coverage afforded for your house. Also, pay attention to how well a policy will protect those things in your house. Your possessions are likely worth thousands and probably tens of thousands.
If you’d like help finding coverage for your belongings, contact us at San Marcos Insurance Group. One of our knowledgeable agents will work with you to find a home insurance policy with the personal property coverage you require.