Coverage reimburses you for damage to or theft of your personal property. Liberty Mutual understands the needs of Pennsylvania homeowners and offers customized homeowners insurance coverage to fit your specific situation.Personal property insurance helps pay to repair or replace the things you own after a covered loss, like a fire or theft. To help you navigate your policy, the claims process or provide general home tips, check out our Policyholder Resource center. Policyholder Resources. First, before you experience a loss, it's a good idea to take inventory of your personal property, complete with pictures and the purchase price of each item. Valuable Personal Property (VPP) insurance protects your personal property like jewelry, watches, guns, cameras, musical instruments and more. Learn about homeowners insurance in Pennsylvania with answers to frequently asked questions. Get a quote for the right homeowners coverage for you. Discover essential information about home insurance in Pennsylvania.