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Personal Property Insurance

Personal property insurance covers costly belongings like jewelry, electronics, golf carts, or trailers. These are all common expenses that people take out premiums on because of their value and potential liability they come with.

There are two types of personal property insurance: policies that pay to completely replace the item and policies that replace the value of the item at the time. For example, the value of a golf cart decreases over time, meaning the latter policy would pay less.

Homeowners and renters insurance might have personal property coverage in their policies, but many people prefer to take out additional policies on specific items. An engagement ring that is lost at the beach likely wouldn’t be covered by your homeowners policy, but could be with personal property insurance.

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