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All you have to know about personal property insurance

Jun 30


Personal property insurance refers to the part of your homeowner or renters insurance policy that offers protection for your personal possessions. In the majority of homeowners policies, coverage C is the section that addresses personal property coverage.

Personal Property

Your personal property is what you have. You can include electronics, furniture, appliances, and many other items. Contact Select Adjusters if need the most effective assistance and assistance.

It is easier to determine what items aren't considered personal property by your insurance company. These items are not covered by personal property insurance.


  • Motorized vehicles

  • Animals

  • Items that belong to your landlord

  • Material that hovers or fly

  • Everything else you own, is yours to keep.

What Personal Property Insurance Covers

There are two kinds of personal property insurance policies which cover different amounts of insurance.

Named Peril Personal Property Insurance:

The most commonly used coverage is found in standard homeowners insurance policies. The policy protects your possessions in 16 perils.

  • Fire or lightning

  • Theft

  • Hailstorms or windstorms

  • Explosion

  • Dropping objects

  • The weight of ice, snow, or sleet

  • Inaccidental discharge or water overflow

  • Accidental damage that is sudden to a water heater or HVAC

  • Freezing

  • Power surges

  • Volcanic eruption

Open Peril Personal Property Insurance:

This policy gives you more protection than the standard named peril insurance. The policy protects personal property in all scenarios but excludes the following 10:

  • Earthquakes

  • Damages from flooding

  • Mold

  • Tree roots cause cracks in foundation

  • Natural cracking is caused by settling, shrinking, or expanding the foundation

  • Construction defect

  • Corrosion

  • Rodents, vermin and insects are all pests.

  • Damage caused by intentional intent

  • General wear and tear

Las Vegas roof damage adjuster may assist you with filing claims if your personal belongings are lost or damaged.


This is applicable to your home whether it was damaged within your house or on the outside. It means that if are the victim of theft from your hotel room, you are still protected.

Limit of Liability Personal Property Insurance

Your insurance policy covers you for repair or replacement of personal property up to a certain limit. The insurer is only liable for one loss in the event that the limit of liability is established. The limitations of liability for the homeowner or renters insurance policies in the declarations section. Select Adjusters las vegas will help you out in this matter efficiently.


Every policy is different and unique, just like every person's insurance needs are. Your personal items will determine the amount of insurance coverage you'll need. The insurer will determine the amount of coverage offered. Only, las vegas wind damage will help you in reclaiming your losses.

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Select Adjusters
4570 S Eastern Ave UNIT 23, Las Vegas, NV 89119