Let’s pretend that you could pick your house up and turn it upside down and shake it. Everything that falls out would be considered Personal Property. The state of Ohio requires insurance companies to provide you with 50 percent of the dwelling for Personal Property. Although many of today’s insurance companies do provide you with 70 to 75 percent of the dwelling amount to remain competitive.

Personal Property has a lot of hard things to deal with. You must come to terms with the fact that no insurance company is going to be able to replace 100 percent of your personal belongings. When you buy something that is one of a kind, please think about how you should best protect it. Maybe you should take pictures of it just in case so that you will always have the memory even if you no longer have the item. I have personally had a claim and I do have to say that they do a really great job of trying to get you back to as close to where you were as possible. We have all heard the horror stories, but that is not the norm. The bottom line is that protecting your property is a partnership between you and the insurance company.