Keep your most treasured items safe.
Personal property coverage helps cover the cost of replacing belongings in your home, like furniture and electronics. This type of coverage is included in your Allstate home insurance policy and can help you in one of two ways:
- Actual cash value
Covers the cost of replacing your belongings, considering the amount they've decreased in value over time
- Replacement cost coverage
Covers the cost of purchasing new belongings of the same kind and quality at the time of the claim
This is an optional coverage you can add to your homeowners policy to cover high-value items, like jewelry. Although personal property protection helps cover many of your belongings, most insurance companies set limits on certain items. If you were to reach that limit, scheduled personal property coverage helps make sure you have enough protection.
