When you think of protecting your home, it's natural to focus on the building itself. But what about the valuable belongings inside? That’s where content coverage comes in. Content coverage is an essential part of any comprehensive home insurance policy, designed to protect your personal items—from electronics and furniture to clothing and appliances—in the event of unexpected damage or loss.

Content coverage, sometimes referred to as “ personal property insurance ,” protects your belongings from risks like fire , theft , vandalism , and certain natural disasters. Whether you're in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , content coverage ensures that your valuables are covered should the unexpected occur.

If your home experiences a covered event, such as a break-in or fire, content coverage allows you to file a claim to replace or repair your damaged or stolen items. This coverage often includes two main types of reimbursement:

Actual Cash Value (ACV) : This reimburses you for the value of your items after accounting for depreciation. For example, a three-year-old TV may not have the same value as when you first bought it. Replacement Cost Value (RCV) : This covers the cost of replacing an item with a new one of similar kind and quality. While usually a bit more expensive, RCV policies provide better financial security since they cover the full cost of replacing lost items.

In Arizona, residents face unique challenges, such as intense heat that can contribute to electrical fires and seasonal monsoon storms that may damage property. Content coverage ensures that you’re not left with the full financial burden of replacing your belongings should any unforeseen incident occur.

If you rent your home, content coverage is still essential! Renters insurance policies also offer content coverage, protecting your belongings even if you don’t own the building itself. For homeowners, it’s equally valuable to protect furniture, electronics, and other personal items that could otherwise be costly to replace.

When assessing how much content coverage you need, consider the value of your possessions. Taking an inventory of your items can help determine the right coverage amount. If you have high-value items—like jewelry, artwork, or collectibles—consider adding an endorsement to your policy for extra protection.

Whether you're in the bustling city of Phoenix, the suburban charm of Gilbert, or the vibrant community of Chandler, Riseson Insurance is here to help. Our team can guide you through the process of selecting content coverage that meets your unique needs, offering peace of mind that your valued possessions are protected.

Get a Personalized Quote Today!

Reach out to Riseson Insurance in Tempe today for a personalized quote. We're proud to serve homeowners and renters across the Valley, including Phoenix, Scottsdale, Tucson, Gilbert, and Chandler. Give us a call at 602-460-5470 to get started!

What Is Content Coverage?

How Does Content Coverage Work?

Why Content Coverage Matters for Arizona Residents

How Much Content Coverage Do You Need?

Content Coverage and Riseson Insurance : Protecting Your Peace of Mind

1. Actual Cash Value (ACV) : This reimburses you for the value of your items after accounting for depreciation. For example, a three-year-old TV may not have the same value as when you first bought it.
2. Replacement Cost Value (RCV) : This covers the cost of replacing an item with a new one of similar kind and quality. While usually a bit more expensive, RCV policies provide better financial security since they cover the full cost of replacing lost items.