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    t coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to deci

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    If you have home insurance or are shopping for a home insurance quote, you may be wondering if your personal belongings -- furniture, computers, bicycles -- are also covered. The answer is yes, but to a limit.

    Most standard home owner insurance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decid

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    s -- furniture, computers, bicycles -- are also covered. The answer is yes, but to a limit.

    Most standard home owner insurance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to deci

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    urance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to deci

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    verage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to deci

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    t coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide is if that's enough coverage. Make a list of your personal belongings and what you estimate it would cost to replace them if they were stolen or destroyed in a disaster. If you think you'll need more coverage, you can get higher limits on your policy.

    Here's another thing to keep in mind. You can get coverage for personal property on an actual cash value or replacement cost basis. Actual cash value will pay to replace your possessions minus any depreciation -- up to the limits in your hom

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