Is jewelry covered under personal property coverage?

Typically, yes: Jewelry is covered under personal property coverage. However, there may be limits placed on more expensive items. It’s important to talk to your insurance agent to find out if you need additional coverage.

Are appliances covered under dwelling or personal property coverage?

Yes. Items built into the home are typically covered by dwelling coverage, while plug-in appliances — like a refrigerator — are usually considered personal property and would be covered by that type of coverage.

Are cars covered under personal property coverage?

No. You’ll need comprehensive car insurance to cover damages to your vehicle. However, a renters or homeowners policy could cover the theft of an item from your car if you usually keep it in your home.

What Is Home Personal Property Insurance and How Much Do You Need?

Name: What Is Home Personal Property Insurance and How Much Do You Need?
Item: What Is Home Personal Property Insurance and How Much Do You Need?
Author: Devon Delfino

ByDevon Delfino

Updated: April 2, 2023

Advertising & Editorial Disclosure

About Devon Delfino

Devon Delfino is an independent journalist based in the Pacific Northwest. Her personal finance coverage has been featured in publications such as the L.A. Times, Teen Vogue, Mashable, MarketWatch, CNBC and USA Today, among others.

sources

Insurance Information Institute. "Understanding the insurance claims payment process." Accessed September 28, 2020.
Insurance Information Institute. "What is covered by standard homeowners insurance?." Accessed September 28, 2020.