In homeowner's insurance, what would typically not be covered under personal property protection?

In homeowner's insurance, personal property protection is designed to cover a wide range of personal belongings, such as furniture, appliances, clothing, and personal effects. However, there are specific limitations and exclusions related to high-value items.

Jewelry valued over a certain amount typically falls into this category of limited coverage. Homeowner's insurance policies generally have sub-limits for specific items like jewelry, which means that while the policy will offer coverage for these items, it may only cover up to a specific monetary threshold. Therefore, if the value of the jewelry exceeds that threshold, the excess value would not be covered by the insurance policy, making it essential for policyholders to seek additional coverage or a rider for high-value items.

In contrast, standard items such as furniture, appliances, cash kept in a safe, and clothing are usually covered up to the policy limits with fewer restrictions, making them protected under personal property protection without the same limitations that apply to valuable jewelry. Understanding these distinctions is crucial for homeowners to ensure they have adequate coverage for all of their belongings.