Your Personal Belongings Coverage
Your homeowner’s insurance policy will cover your personal possessions like clothing and jewelry if they are ruined or missing because of theft. When you have personal belongings coverage, you have the peace of mind that your individual property will also be covered when you are not in your insured dwelling. What’s another perk? You will also have coverage up to a certain limit should your credit card be used fraudulently.
What about things like outdoor foliage? It surely isn’t cheap to have a landscaped yard, whether you have done the work yourself or paid a professional. Your policy will cover your landscaping that is damaged as a result of most events, however, wind damage and vegetation that has obtained a disease will not be covered.