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.

Farm Bureau 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. Talk to a Farm Bureau agent today for a personal property insurance quote.