Coverage that protects your personal belongings inside your home and, in many cases, anywhere in the world. This includes furniture, clothing, electronics, appliances, and other personal items. Standard policies typically provide coverage equal to 50-70% of your Coverage A limit. You can choose between actual cash value (which factors in depreciation) or replacement cost coverage (which pays to replace items at current prices). High-value items like jewelry, art, or collectibles may have sub-limits and require additional scheduled coverage.