Your furniture, clothes, sports equipment, tv’s, computers, laptops, PC’s, and other personal items are covered if they are stolen or destroyed by fire, wind or other insured disasters The best way to determine if this is enough coverage is to conduct a home inventory.
This part of your policy includes off-premises coverage also. This means that your personal property is covered anywhere in the world, unless you have decided against off-premises coverage.
Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. Generally, you are covered for between $1,000 to $2,000 for all of your jewelry and furs. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its appraised value. Coverage includes accidental disappearance, meaning coverage if you simply lose that item. And there is no deductible. An example to this would be a wife’s wedding ring.
Trees, plants and shrubs are also covered under standard homeowners insurance. Generally you are covered for up to about $500 per item. Perils covered are theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered for damage by wind or disease.