Personal Property Insurance

Personal Property Insurance for

Virginia Residents

Your home isn’t just four walls — it’s everything inside them, too. Personal property insurance helps protect your belongings from theft, fire, and other covered losses. Whether you rent or own, we’ll help you make sure your stuff is covered.

What’s Considered Personal Property

Personal property includes:


  • Furniture
  • Clothing
  • Electronics
  • Appliances
  • Jewelry & valuables
  • Tools, bikes & equipment



Basically, if you’d take it with you when you move, it’s probably considered personal property.

When It's Covered

Personal property coverage is usually part of:


  • A homeowners insurance policy
  • A renters insurance policy
  • A condo insurance policy



If you need more protection than what’s included by default, we can help increase your limits or schedule high-value items individually.

Optional Add-Ons

You may want to add extra coverage for:


  • Fine jewelry or watches
  • Musical instruments
  • Art or collectibles
  • Electronics & home office equipment
  • Firearms or specialty gear



We’ll walk through your needs and explain what coverage looks like

What to Expect If You File a Claim

If your belongings are damaged or stolen, we’ll help you:


  • Confirm coverage
  • Document the loss
  • File with the carrier
  • Replace or repair the items


We’re available before, during, and after a claim to make sure nothing falls through the cracks. Not Sure What Your Policy Covers? Let’s review your coverage or set up a new policy that actually protects your belongings.