Scheduled Personal Property Endorsement: This endorsement is sometimes called a "personal article floater. You should also evaluate your personal belongings and ask your agent about the options for covering these items.Does Home Insurance Cover Personal Property? Home insurance covers personal belongings under the personal property coverage part of your policy. Personal Property Coverage for homeowners insurance pays the actual cash value of covered items that need to be replaced due to a covered loss. INSURE or fill in the form below to receive a Mass insurance policy quote for your personal auto, home, life or business coverage. MAPFRE Insurance is the leading home insurance provider in Massachusetts. We offer quality homeowners coverage and policy discounts you may qualify for. All contents, personal belongings and electronics stored inside your home are covered. Personal Property coverage pays to replace your personal items if they're damaged or stolen.