Homeowners Insurance Personal Property Coverage: Limits, Sub-Limits, and What’s Actually Protected
Personal property coverage (Coverage C) protects your belongings, but it rarely covers everything at full value by default. Most policies contain “sub-limits” that severely restrict payouts for high-value items like jewelry, electronics, and firearms, regardless of your total coverage amount. Whether you have Actual Cash Value (ACV) or Replacement Cost Value (RCV) determines if you … Read more