Protect What Makes Your House a Home Your home isn’t just a structure—it’s filled with the things that make life meaningful. From your furniture and electronics to cherished family heirlooms, Personal Property Insurance is designed to protect the belongings you’ve worked hard to collect. At Western Insurance, we help California homeowners secure coverage that reflects the real value of their personal possessions.
Personal Property Insurance covers the items inside your home that are not part of the structure itself. If your belongings are stolen, damaged, or destroyed due to events like fire, vandalism, or a covered natural disaster, this insurance helps you replace them. It’s often part of a broader Homeowner Insurance policy, but you can customize it to suit your needs.
Whether you’re in a single-family home, condo, or rental, having personal property coverage means peace of mind, knowing your valuables are protected.
Disasters don’t just damage your house—they disrupt your daily life. While your home is being repaired, expenses can pile up quickly. Loss of Use coverage ensures you won’t have to bear those extra costs alone. It allows you to maintain your standard of living during a difficult time without exhausting your savings.
Personal Property Insurance can cover a wide range of items, including:
Furniture and appliances
Electronics like laptops, TVs, and gaming systems
Clothing, footwear, and accessories
Jewelry and collectibles (with limits unless scheduled)
Tools and hobby equipment
Kitchenware and personal essentials
Home office equipment
Need extra protection? We can help you schedule high-value items separately.
While your detached structures are important, don’t forget to consider General Liability insurance as part of your homeowner strategy. It helps cover legal or medical expenses if someone is injured on your property — even in areas like your detached garage or driveway.
Let our team at Western Insurance create a customized protection plan that fits your property layout and lifestyle.
We understand the local risks California homeowners face—wildfires, theft, and more. Our agents tailor coverage based on your lifestyle, location, and belongings, ensuring you’re not underinsured when disaster strikes. We also offer General Liability Insurance for those who want protection beyond property, like bodily injury or damage to others’ property. Learn more here.
We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.
