Standard homeowner and tenant policies are package policies that typically include property, liability, theft, and medical payments coverage. Homeowners in New York face many challenges throughout the year.We'll help you find the right coverage for NY and discounts to help you save. Queens Home Insurance, Coastal Insurance Solutions is the leader in home insurance in Queens, New York. Designed to protect your belongings, personal property coverage can help repair or replace your things if a covered event happens, such as theft or fire. Homeowners insurance can help protect your home and the things you've worked hard to build. Learn about home insurance and get a quote from Travelers. Evaluating Your Home and Personal Property. Personal property coverage helps cover the cost of replacing belongings in your home, like furniture and electronics. Your homeowners or renters insurance policy may limit coverage on some of your most valuable items.