Personal property insurance coverage can cover your personal belongings in the event of a covered loss. Learn about all the options available with Travelers.Call (845) 360-9168 for home insurance and more. Get a free home insurance quote from State Farm Agent Travis Helm in Goshen, NY. Personal property insurance pays to replace your belongings if they're stolen or destroyed. Here's what it covers and how to get it. Scheduled personal property is a supplemental insurance policy that extends coverage beyond the standard protection provided in a homeowners' insurance policy. Personal property insurance is designed to financially protect your belongings against a variety of hazards – fires, vandalism, theft, power surges. Personal property coverage is usually included under most homeowners, renters, and condo policies. Personal property coverage pays if your furniture, clothing, and other things you own are stolen, damaged, or destroyed.