Personal property insurance protects you financially when damage occurs to your personal belongings - things like furniture, appliances, electronics, clothing and more. Personal property insurance works with your home insurance to make sure you're protected in case of a covered loss.
We can help you determine the type and amount of personal property coverage you need:
Replacement cost coverage provides the full amount of what it would cost to replace damaged items. Even if the item has depreciated in value, you will receive the amount of money it would cost to purchase a new, similar item. Limitations may apply to items that are worn out, obsolete or have special value.
Actual cash value coverage reimburses you only for what the damaged item is worth, not the cost of a replacement item. For example, if your 10-year-old refrigerator is damaged beyond repair by a covered loss, you would receive the amount of money a 10-year-old refrigerator is worth, which would be much less than the cost to replace the refrigerator with a new one.
Special items like jewelry, cameras or electronics may need extended coverage - talk to a Farm Bureau agent about special personal property coverage.
The cost of your insurance, your premium, depends on the coverage you need and any discounts available to you. By insuring your personal property in combination with vehicle, liability and other insurance needs, you can save money with our one-deductible, customizable package policy, Farm Bureau Member's Choice.
Protecting your personal property with Farm Bureau Financial Services is simple. Contact me today for a personal property insurance quote.
IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents -- for more information about any Farm Bureau product, please contact me.