Personal Property

Personal Property: Protecting Your Belongings

Personal property coverage is an essential part of your home insurance because it protects your belongings such as furniture, clothing, and appliances. It’s there to protect your belongings against damage or theft at home or anywhere else in the world.
 

Determining Your Personal Property Coverage Limit

Your personal property coverage is automatically calculated as a percentage of your dwelling coverage, which is usually 70 percent. But you can always customize your coverage to the amount you think your belongings are worth. When you insure your personal property with Replacement Cost Coverage, covered property that is damaged or stolen will be replaced with a comparable item at today’s value, not depreciated Actual Cash Value.
 
 
 
Insurance Coverage availability varies by state.

Insurance Illustrated – Personal Property

Learn more about how to protect your personal property in this video.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.