What about my personal property? Is that covered?

Sure is! A homeowner’s policy provides different types of coverage for your belongings depending on the type and category of the item.

• Unscheduled personal property looks at your belongings in aggregate. Coverage is generally listed as a % of Coverage A (i.e., 50%). If you lost your home to a house fire, for example, you would need to replace everything: furniture, fixtures, bedding, clothing, etc.
• Scheduled personal property refers to types of goods that have separate sub-limits of coverage. Firearms, cash, photography equipment, computer equipment and jewelry all have set sub-limits in a standard homeowner’s policy, such as $5,000 per category. If you have an item worth more than the limit, such as an engagement ring valued at $15,000, you can usually purchase additional coverage for it by providing proof of purchase or an appraisal. If you have a special collection, please bring this up to your agent or an advocate at Bamboo to ensure that you’re covered.