Home policies limit what they'll pay for things like jewelry and art. Personal property insurance is designed to financially protect your belongings against a variety of hazards – fires, vandalism, theft, power surges.Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they're destroyed in a covered loss. Personal property coverage can cover your belongings such as furniture, clothing, sporting goods or electronics in the event of a covered loss. Call (217) 352-1188 for renters insurance and more. Get a free renters insurance quote from State Farm Agent Steve Tarrant in Champaign, IL. Based on our findings, State Farm, Farmers, Nationwide, Progressive, and Texas Farm Bureau are the best home insurance companies in Fort Worth. Most home insurance policies include some coverage for personal items. How much coverage could depend on which kind you choose. Call (217) 352-1188 for home insurance and more.