Your Belongings Deserve the Best Protection

Protecting your prized possessions goes beyond locking the doors and installing security systems. At Boyd Insurance & Investments, we offer tailored personal property insurance in Florida to ensure your valuables get the best protection they need and deserve. From valuable artwork and jewelry to high-tech gadgets and cherished heirlooms, this coverage gives you the protection and the security you need.

What Is a Personal Property Insurance Policy

A personal property insurance policy is a specialized insurance product designed to protect your valuable belongings against various risks and perils. It provides coverage for items such as furniture, electronics, appliances, jewelry, artwork, collectibles, and more. Unlike standard homeowners or renters insurance, this insurance focuses specifically on the protection of your possessions, ensuring that you are adequately covered in case of damage, loss, theft, or other covered events.

personal insurance

What Are Covered Under Basic Personal Belongings Insurance

Even though your landlord has coverage, it doesn’t necessarily mean that your belongings are part of that coverage. In most cases, a landlord’s insurance policy only covers structural damage to the building or property itself, leaving your items unprotected in case of an accident. Having renters insurance in place ensures that your personal belongings are protected. Typically, a basic renters policy covers the following:

Furniture and Home Furnishings

Sofas, tables, beds, chairs, and other household items.

Electronics and Appliances

Televisions, computers, laptops, smartphones, refrigerators, etc.

Jewelry and Watches

Engagement/wedding rings, necklaces, bracelets, earrings, etc.

Artwork and Other Collectibles

Valuable paintings, sculptures, antiques, rare books, stamps, etc.

Clothing and Accessories

Designer clothing, shoes, handbags, and other accessories.

Sports Equipment

Golf clubs, bicycles, snowboards, and other sporting gear.

Musical Instruments

Guitars, pianos, drums, violins, and other musical instruments.


Guns, ammo, and other firearm-related equipment.

Protect Your Most Valuable Possessions with Confidence

At Boyd Insurance & Investments, we understand the value your possessions hold, both sentimentally and financially. That’s why we offer comprehensive coverage tailored specifically to your needs. With our personal property insurance policy, you can rest assured that your valuables are protected no matter what. Let our insurance experts help you find the right coverage for you. Reach out to us today!

Is Personal Property Insurance Required in Florida?

In the state of Florida, personal property insurance is not legally required by the state government. However, protecting your valuable belongings from unforeseen events and potential financial losses is highly recommended. Homeowners insurance policies typically include some coverage for personal property, but these coverage limits may not be sufficient for high-value items or specialized possessions.

By obtaining a separate personal belongings insurance policy, you can ensure that your belongings receive the best protection and coverage tailored specifically to their value and individual needs. This additional coverage offers you peace of mind and financial security in the event of theft, damage, or loss.

How Much Personal Property Insurance Coverage Do I Need?

Determining the appropriate amount of personal insurance coverage depends on several factors, including the value of your belongings and your individual needs. At Boyd Insurance & Investments, our experienced team will work closely with you to assess the value of your possessions and recommend the right coverage level. We’ve simplified the process into easy steps to help you get the coverage you need:


Take Inventory

Start by taking an inventory of your belongings. You can make a list of items such as furniture, electronics, jewelry, artwork, and other valuable possessions. This will give you an idea of what needs to be covered.


Assess the Value

Once you have your inventory, assess the value of each item. Consider their replacement cost and sentimental worth. Remember to account for any valuable collections or high-end electronics that may require special coverage.


Consider Your Risks

Think about any specific risks associated with your location or lifestyle. Are you in an area prone to natural disasters or theft? Do you have any unique possessions that require additional protection? Understanding your risks will help determine the level of coverage you need.


Consult with Our Experts

Our experienced team is here to help. We’ll review your inventory, assess your risks, and provide personalized recommendations tailored to your needs. We understand the importance of finding the right balance between adequate coverage and affordability.


Get Your Personalized Quote

Once we have a clear understanding of your coverage requirements, we’ll provide you with a personalized quote. Our goal is to offer comprehensive protection at a competitive price, ensuring that you have the peace of mind you deserve.


Review and Adjust Regularly

Remember, your insurance needs may change over time. It’s essential to review your coverage periodically and make adjustments as necessary. Life events, acquisitions, or lifestyle changes can impact your insurance needs, and we’re here to assist you.

Our Renters Insurance Experts

Lexie Guanchez

Employee Benefits Advisor
Office Phone: 941-745-8300 ext....

Joanna Francis

Benefits Account Manager
Office Phone: 941-745-8300 ext....

Jeff Chapin

Commercial Insurance Advisor
Office Phone: 941-745-8300...

Bixby Hartley

Personal Insurance Advisor
Office Phone: 941-745-8300 ext....

Reeves Rogers

Commercial Insurance Advisor
Office Phone: 941-745-8300...

Pam Gillette

Commercial Account Manager
Office Phone: 941-745-8300 ext....

Julie Boswell

Commercial Account Manager
Office Phone: 941-745-8300 ext....

Summer Clifton

Assistant Commercial Account Manager
Office Phone: 941-745-8300...

Sara Tappan

Personal Account Manager
Office Phone: 941-745-8300 ext....

Sue Rocco

Personal Account Manager
Office Phone: 941-745-8300 ext....

Coreen Klein

Financial Services Account Manager
Office Phone: 941-745-8300...

Savana Clifton

Office Phone: 941-745-8300

Jamie Wood

Director Of Business Development
Office Phone: 941-745-8300...

Kim Bateman

Internal Communications Coordinator
Office Phone: 941-745-8300 ext....

Amy Hirsch

Personal Account Manager
Office Phone: 941-745-8300 ext....

Rebecca Nesta

Benefits Account Manager
Office Phone: 941-745-8300...

Debbie Brown

Executive Assistant
Office Phone: 850-643-2900 ext. 798

Emma Balak

Administrative Assistant
Office Phone: 941-745-8300 ext. 776

Tina Messer

Commercial Account Manager
Office Phone: 941-745-8300 ext....

Frequently Asked Questions

Personal property insurance focuses specifically on protecting your belongings, while homeowners insurance provides broader coverage for your home and its structure. This coverage ensures that your valuable possessions are adequately protected against risks such as theft, damage, and loss.

While homeowners insurance may provide some coverage for personal belongings, the limits and types of coverage may not be sufficient for high-value items or specialized possessions. This insurance fills those gaps and offers specific coverage tailored to your individual needs.

Coverage limits for this type of insurance can be determined based on the total value of your belongings, taking into account their replacement cost. Working with an experienced insurance provider, like Boyd Insurance & Investments, ensures that your coverage limits align with the value of your possessions.

Absolutely! As your circumstances change and the value of your belongings fluctuates, it’s important to review and adjust your personal property insurance coverage accordingly. Our experts can assist you in making any necessary updates to ensure you have adequate protection.

You simply need to contact us immediately, and we will guide you through the claims process, help gather the necessary documentation, and ensure a smooth and efficient resolution.

Boyd Agent

Request for a Personal Belongings Insurance Quote Today!

Investing in this type of insurance means investing in your peace of mind. With our expert team guiding you through the process, you can be confident in the protection of your valuables. Contact us now to discover how Boyd Insurance & Investments can be your trusted partner in safeguarding your valued possessions!