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Ask an Agent: What is Personal Property Coverage?

Published: June 2016

Personal property coverage is typically part of a standard homeowners, renters or condo insurance policy. It may help protect your belongings if they're damaged or destroyed due to a covered loss.

When Allstate agent Lisa Jusino's home was burglarized, her personal property coverage helped her and her family recover. Watch the video to hear her story.

Video Transcript

(Voiceover): Hi, I'm Elizabeth Jusino, but you can call me Lisa. I'm an Allstate agency owner with offices in Chicago's Pilsen and Humboldt Park neighborhoods. When I talk with customers, I always emphasize the importance of personal property coverage. This coverage may help pay you for the value of your belongings or pay to replace your belongings if they're damaged or destroyed due to a covered loss. For example, personal property coverage may extend to things like furniture, clothing and electronics if they are stolen or damaged by a fire. This coverage is typically part of a standard homeowners, renters or condo insurance policy.

I know firsthand how much personal property coverage can help. One day I returned home with my daughter, and my back door was open and I could hear intruders moving around upstairs. Right away I ran next door to call the police, and the intruders ran out.

They took so much - electronics, the kids' video game system, tons of their games, our jewelry. I was very upset about what had happened, but I was also kicking myself. I didn't have a home inventory of my personal property, even though I tell people all the time how important that is!

It took a couple months to work out exactly what was missing and document it all. When we added it up, the claim totaled $19,000. I was shocked that it was so much. Fortunately our personal property coverage limits were high enough and we were covered for everything that was taken.

This experience helped to drive home how important it is to have a home inventory, and I now have one of my own. It also really demonstrated how quickly your personal property adds up. It's so important to choose coverage limits that really reflect the value of your belongings.

Having A Dedicated Agent Can Make All The Difference.

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Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.
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