{"id":6976,"date":"2021-01-14T07:54:28","date_gmt":"2021-01-14T12:54:28","guid":{"rendered":"http:\/\/8b45c0e101.nxcli.net\/?post_type=post&#038;p=3005"},"modified":"2024-01-24T11:49:23","modified_gmt":"2024-01-24T16:49:23","slug":"3-things-to-know-about-insuring-personal-belongings","status":"publish","type":"post","link":"https:\/\/ca.holman.com\/ca\/resources\/3-things-to-know-about-insuring-personal-belongings\/","title":{"rendered":"3 Things to Know About Insuring Personal Belongings"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>\t\t\n\t<section class=\"header-variation-section white\">\n\t<div class=''><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t<div class=\"variation-inner\">\n\t\t\t<div class=\"header-left\">\n\t\t\t\t<div class=\"header-left-inner\">\n\t\t\t\t\t<h5 class=\"headline-5\"><\/h5>\n\t\t\t\t\t<h1 class=\"page-title headline-1\">3 Things to Know About Insuring Personal Belongings <\/h1>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"body-1\"><p>Holman Marketing<br \/>\nJanuary 14, 2021<\/p>\n<\/div>\n\t\t\t\t\t\n\t\t\t\t\t<div style=\"display:flex;justify-content:flex-start;gap:20px;flex-wrap:wrap;\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"header-right\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ca.holman.com\/ca\/wp-content\/uploads\/2021\/01\/3-things-to-know-about-insuring-personal-belongings.jpg\" alt=\"a family posing for a picture in front of a house\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<style>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t@media(min-width:991px){.header-right{flex-basis:58% !important;}}\n\t\t\t\t\t\t\t\t@media(max-width:990px){.header-variation-section .variation-inner .header-right .video-box{margin-top:0px !important;padding-bottom:3% !important;}.header-variation-section .variation-inner .header-right .video-box{height:auto !important;border-bottom-left-radius:56px;margin-top:92px;}}\n\t\t\t\t\t\t\t\t<\/style>\n\t\t\t\t\t\t\t\t\n\t<style type=\"text\/css\">\n\t.noscroll{overflow:hidden !important;overflow-y:hidden !important;}\n#form-success, .form-success{height:100%;width:100%;display:none;}\n#success-container{display:flex;flex-direction:column;justify-content:center; margin:0 auto;text-align:center;height:100%;padding:40px;}\n#success-container a{font-weight:500;font-size:12px;color:#0069a7;margin:62px auto 0;text-decoration:none;border-bottom:2px solid #0069a7;}\n#success-container h2{margin:8px auto;color:#0069a7;font-size:24px;font-weight:500;}\n#success-container p{margin:8px auto;font-size:14px;font-weight:400;}\n#success-icon{max-width:60px;margin:0 auto;}\n.wpcf7 .wpcf7-spinner{display:none;}\n\t.noscroll{overflow:hidden !important;overflow-y:hidden !important;}\n\t.btn1.ghost{background-color:white;color:#0069A7;border:1px solid #0069A7;}\n\t.header-variation-section .video-box video-js{height:100%;}\n\n\t\t.btn1\n\t\t{\n\t\t\tbackground-color: #0069A7;\n\t\t\tbox-shadow: 0px 14px 23px rgba(0,0,0,0.08);\n\t\t}\n\n\t\t.btn1:hover\n\t\t{\n\t\t\tbackground-color: #2C9942 !important;\n\t\t\tcolor:white;\n\t\t}\n\n\t\t.btn2\n\t\t{\n\t\t\t background-color: transparent !important;\n\n\t\t\t color: #0069A7 !important; border: 2px solid #0069A7; \n\t\t}\n\n\t\t.btn2:hover\n\t\t{\n\t\t\t background-color: transparent !important;\n\t\t\t\/*background-color: #2C9942 !important;*\/\n\t\t\t color: #2C9942 !important;\n\t\t\tborder: 2px solid #2C9942; \n\t\t}\n\n\/* .header-variation-section .vjs-poster{background-size:cover;} *\/\n.header-variation-section .vjs-tech {\n  position:relative;height:auto;\\;\n}\n\/* .header-variation-section .video-js{\n\tdisplay:contents !important;\n} *\/\n.header-variation-section .video-js .vjs-control-bar{padding-left:45px;}\n\t\t.btn1\n\t\t{\n\t\t\tbackground-color: #0069A7 !important;\n\t\t}\n\t\t.btn1:first-child{margin-left:0;}\n\t\t.btn{box-shadow: 0px 14px 23px rgba(0,0,0,0.08);}\n\t\t\n.btn.ghost{background-color:white !important;border:1px solid #0069A7;color:#0069A7 !important;}\n.btn:hover{background-color:#2C9941 !important; color:white !important; border:none !important}\n.ghost:hover{background-color:#2C9941 !important; color:white !important; border:none !important}\n\/* .header-variation-section .variation-inner .header-right .cloudflare-video{height:61% !important;} *\/\n.header-variation-section .variation-inner .header-right:has(.cloudflare-video){margin-top:auto;margin-bottom:auto;}\n\n\t\t.btn2\n\t\t{\n\t\t\t background-color: transparent !important;\n\n\t\t\t color: #0069A7 !important; border: 2px solid #0069A7; \n\t\t}\n\n\t\t@media (max-width: 575px)\n\t\t{\n\t\t\t.btn1 {width: 100% !important; margin-top: 20px !important;}\n\t\t\t.btn2{margin-left:0px !important; width: 100% !important; margin-top: 20px !important;}\n\t\t}\n\n\t<\/style>\n\t<\/section>\n\n\t\n\t\n\n    <section class=\"wysiwyg\" id=\"\">\n        <div class='inner'>\n            <p>Home insurance can be tough to understand, and personal belongings are one part of your policy that can be overlooked or that you may have questions about. What is personal belongings coverage? How are they covered? How much are they covered for? How much personal coverage do you need?<\/p>\n<p>We\u2019ve put together the top three things to know about insuring personal belongings in order to unpack everything you need to know.<\/p>\n<h2>What is personal belongings coverage?<\/h2>\n<p>Personal property insurance is coverage in your principal insurance policy that can help pay to repair or replace your personal items after a covered loss. Whether your belongings are destroyed, lost, or stolen &#8211; clothing, furniture, or electronics, they&#8217;re covered by your personal property insurance, which is part of your homeowners, renters, or condo policy.<\/p>\n<p>Here are three tips that will help ensure you have the level of personal property coverage you need.<\/p>\n<h2>What&#8217;s Covered?<\/h2>\n<p>To tackle the \u2018what are examples of personal property?\u2019 question- here\u2019s a list of what is typically covered and what constitutes as personal belongings. Keep in mind that personal property insurance covers anything* that is not a permanent part of your home. So imagine that if you picked up your home and turned it upside down- personal items would qualify as all the stuff that would \u201cfall out\u201d.<\/p>\n<ul>\n<li>Rugs<\/li>\n<li>Window treatments<\/li>\n<li>Furniture<\/li>\n<li>Decor<\/li>\n<li>Major appliances<\/li>\n<li>Electronics and small appliances<\/li>\n<li>Clothing<\/li>\n<li>Sports equipment<\/li>\n<\/ul>\n<p>*Higher-value items such as jewelry, artwork, fine wine, special collections, and such may need additional coverage.<\/p>\n        <\/div>\n    <\/section>\n    <style>.wysiwyg{margin-top:0 !important;}<\/style>\n\n\n    <section class=\"quote-testimonial\" id=\"\">\n        <div class=\"inner\">\n            <div class=\"quote-testimonial-quote\">\n                <div class=\"body-1\"><h2>How Much is Covered?<\/h2>\n<ul>\n<li>70% of the value of your home is the usual limit for personal property coverage.<\/li>\n<li>50% is a minimum some companies provide, and you can pay more in your premium for higher coverage.<\/li>\n<li>Coverage amounts vary based on your individual policy.<\/li>\n<\/ul>\n<\/div>\n            <\/div>\n            <div class=\"quote-testimonial-author\">\n                                <div class=\"quote-testimonial-text\">\n                    <h6 class=\"headline-6\"> <\/h6>\n                                    <\/div>\n            <\/div>\n        <\/div>\n        <style>.quote-testimonial{margin:25px 0 !important;} .quote-testimonial .inner{padding:25px 0 !important;}\n        @media (max-width: 1300px){.quote-testimonial{margin:25px 0 !important;} .quote-testimonial .inner{padding:25px 0 !important;}}\n        <\/style>\n    <\/section>\n\n\n    <section class=\"wysiwyg\" id=\"\">\n        <div class='inner'>\n            <h2>How Much is Paid?<\/h2>\n<p>If your coverage is based on Replacement Cost, your insurance company will pay you enough to cover the cost of a new one. If your coverage is based on Actual Cash Value, your insurance company will pay you a percentage of what the item cost when you first bought it, based on depreciation.<\/p>\n<p>If you\u2019re still not sure if you have the right personal property coverage in place or want to learn more, you can <a href=\"\/contact\/\">speak to one of our Holman experts<\/a> today.<\/p>\n        <\/div>\n    <\/section>\n    <style>.wysiwyg{margin-top:0 !important;}<\/style>\n\n\n\n\n\n\n<style>\n    .subscribe-form-modal{\n        width:40%;right:0;\n    }\n    @media(max-width:900px){\n        .subscribe-form-modal{\n        width:100%;\n    }\n    }\n<\/style>\n    <section class=\"banner-subscribe-form\" id=\"\">\n        <div class=\"inner\">\n            <div class=\"banner-subscribe-form-text\">\n                <h4 class=\"headline-4\">Get the latest automotive industry news and insights delivered to your inbox.<\/h4>\n            <\/div>\n            <div class=\"banner-subscribe-form-slide\" style=''>\n                                    <a class=\"btn btn-transparent\" onclick=\"onSubscribeClick('https:\/\/go.holman.com\/l\/73722\/2022-01-27\/24nz9gt')\">\n                    SUBSCRIBE                    <span>><\/span>\n                <\/a>\n                            <\/div>\n        <\/div>\n    <\/section>\n<style>\n\/* .holman2-header{background-image:url();} *\/\n.holmanbtn.ghost:hover #ghostarrow path{stroke:white;}\nbody:has(section.announcement) .holman2-card{top:calc(48% + 52px) !important;}\n.holman2-header{position:relative;}\n.holman2-header picture img{width:100%;padding:0px;height: 100%;object-fit: cover;object-position: center;}\n.modal-window .calendly-inline-widget{width:100%;height:100%;}\n.calendly-inline-widget iframe{height:1150px;overflow:hidden;}\n#form-success, .form-success{height:100%;width:100%;display:none;}\n#success-container{display:flex;flex-direction:column;justify-content:center; margin:0 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line-height: 32px !important;\r\n      margin: 0 0 10px !important;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description h3 {\r\n      color: #005897;\r\n      font-size: 24px !important;\r\n      line-height: 34px !important;\r\n   }\r\n}\r\n\r\n\/* - Small mobile devices breakpoint *\/\r\n@media (max-width: 374px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description h3 {\r\n      -webkit-box-orient: vertical;\r\n      display: -webkit-box;\r\n      -webkit-line-clamp: 4;\r\n      overflow: hidden;\r\n   }\r\n}\r\n\r\n\/* Tile description styling *\/\r\n#uberflip-tiles.hubs-embedded .tile.single.with-img .description h4.long-h3 {\r\n   color: #939598;\r\n   display: block !important;\r\n   font-size: 16px !important;\r\n   font-weight: 400 !important;\r\n   letter-spacing: 0.24px;\r\n   line-height: 26px !important;\r\n   margin-top: 0 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Insights<\/h2>\n                        <div id=\"uberflip-tiles\"><\/div>        <\/div>\n        <script>\n               var ufRecoEmbedViewerConfig = {\r\n       'base'          : 'https:\/\/flipbot.uberflip.com\/',\r\n       'open_in'       : 'self',\r\n       'open_in_mobile': 'new',\r\n       'logo'          : '',\r\n       'embed_id'      : 'uberflip-tiles',\r\n       'cta_label'     : '',\r\n       'cta_url'       : '',\r\n       'max_per_row'   : 3,\r\n       'hub_id'        : 128584,\r\n       'auto_link'     : false,\r\n       'debug'         : false\r\n    };\r\n   jQuery.when( jQuery.getScript(ufRecoEmbedViewerConfig.base + 'widgets\/reco-embed-viewer\/uf-reco-embed-viewer.min.js') ).done(function(){\r\n        ufRecoEmbedViewer.init( ufRecoEmbedViewerConfig );\r\n   });        <\/script>\n    <\/section>\n","protected":false},"excerpt":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>","protected":false},"author":5,"featured_media":17277,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[115],"tags":[99,114],"blog-type":[90],"featured":[89],"legacy":[97],"class_list":["post-6976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-services","tag-blogs","tag-insurance-risk-management","blog-type-blog","featured-no","legacy-yes"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/posts\/6976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/comments?post=6976"}],"version-history":[{"count":5,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/posts\/6976\/revisions"}],"predecessor-version":[{"id":18050,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/posts\/6976\/revisions\/18050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/media\/17277"}],"wp:attachment":[{"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/media?parent=6976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/categories?post=6976"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/tags?post=6976"},{"taxonomy":"blog-type","embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/blog-type?post=6976"},{"taxonomy":"featured","embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/featured?post=6976"},{"taxonomy":"legacy","embeddable":true,"href":"https:\/\/ca.holman.com\/ca\/wp-json\/wp\/v2\/legacy?post=6976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}