The coverage you need depends on a variety of factors, such as:

• Your net worth
• What you need to protect your belongings against
• The total value of your belongings
• How much risk you're comfortable with

As a rule of thumb, you should purchase enough to cover the full amount of your personal property, including your clothes, electronics, furniture, kitchenware, and other items you own.

Personal Property Coverage

• Repair or replacement of furniture, clothing, electronics, and other personal items.
• Valuables up to a certain dollar limit.
• Personal property stolen from your car.

Liability Coverage 

• Medical bills of a guest who's injured on your property.
• Repairs of accidental damage to someone else's property.
• Legal costs if you are sued for reasons that are covered.

Additional Living Expenses Coverage 

• You'll be reimbursed for living costs if your rental property becomes uninhabitable due to a covered reason.

Liability comes standard. This coverage means you're protected if you, your family member, or your pet injure someone or damage their property. You can also consider no-fault medical coverage, which means your insurance company will foot the bill for someone's medical bills if they're injured in your home.

Your policy's liability portion could also cover the cost of a lawyer to defend you in court and the cost of court awards, up to your policy's limit. These limits usually start at about $100,000, but you can choose to buy more coverage.

We understand that many individuals relocate with their loved ones, as such this preferential cover is available for all family members. Rest assured that your entire family can be protected under one policy.

Physical Structures: If your house or other structures on your property, like a garage or tool shed, are damaged or a deemed total covered loss, we'll arrange for them to be repaired or replaced.
Personal Belongings: If your personal possessions, like furniture, clothing, and appliances, are damaged or deemed a total covered loss, we’ll arrange for them to be repaired or replaced.
Liability: If someone is accidentally injured or has their own property damaged while on your premises, we'll defend any claims against you and pay them up to your policy limits. We'll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
Additional Living Expenses: We'll cover your additional expenses if, due to a covered loss, you need to live elsewhere while repairs are being made to your home, enabling you to return to living your life as quickly as possible

Personal Property insurance covers your belongings anywhere in the world, keeping you safe no matter where your travels take you.