15 Personal Items Not Covered By Default In Homeowners Insurance
All home insurance policies have a line called Coverage C: Personal Property. This coverage protects the loose belongings in your home. However, there are special sub-limits within most homeowners policies for the following 15 categories of personal items:
| Category | Coverage Limit | |
| 1 | Watches/Jewelry | $1,500 |
| 2 | Computers | $1,500 |
| 3 | Photo/Video Equipment | $1,500 |
| 4 | Bikes | $1,500 |
| 5 | Musical Instruments | $2,500 |
| 6 | Golf Equipment | $2,500 |
| 7 | Fine Arts | $2,500 |
| 8 | Firearms | $2,500 |
| 9 | Coins | $200 |
| 10 | Silverware | $2,500 |
| 11 | Furs | $1,500 |
| 12 | Stamps/Postage | $1,500 |
| 13 | Watercraft | $1,500 |
| 14 | Securities/Bank Notes | $1,500 |
| 15 | Business Property | $2,500 |
If you have high-value items in any above categories, you can schedule individual items if they are worth over $5,000, such as an engagement ring, or buy blanket coverage to increase the sub-limit of your computers. Note that if you schedule a high-value item on a floater, you will likely need to provide a receipt if it was purchased in the last 12 months or provide an appraisal from a licensed appraiser if it was purchased more than 12 months ago.
Now you know how to ensure your belongings are fully protected!
At your service,
Young Alfred