I only want to insure my personal property. What type of insurance should I get?

If you only want to insure your personal property, then you should consider getting a type of insurance known as "personal property insurance." This insurance policy typically provides coverage for your personal belongings against losses such as theft, fire, vandalism, and other perils. There are several types of personal property insurance policies available, and the most common are:

• Homeowners insurance: This type of insurance policy provides coverage for both your home and personal property. Typically, homeowners insurance policies offer personal property coverage equal to a percentage of the home's insured value. For example, if your home is insured for $300,000, and the policy has a personal property coverage limit of 50%, you would have $150,000 of coverage for your personal property.
• Renters insurance: If you're renting your home or apartment, you can purchase a renters insurance policy to protect your personal property. Renters insurance policies generally provide coverage for losses due to theft, fire, smoke damage, water damage, and other covered events.
• Condo insurance: If you own a condominium, you can purchase a condo insurance policy that provides coverage for your personal property as well as the interior of your unit. Similar to homeowners insurance, the personal property coverage limit in a condo insurance policy is typically a percentage of the insured value of the unit.
• Personal articles floater: If you have valuable items such as jewelry, artwork, or antiques that are worth more than the typical personal property coverage limit, you may need a personal articles floater. This type of policy provides additional coverage for specific high-value items.

When selecting a personal property insurance policy, it's essential to consider factors such as the coverage limit, deductible, and any exclusions or limitations. You should also review the policy terms and conditions carefully to ensure you understand what is covered and what is not. Additionally, it's a good idea to shop around and compare policies from multiple insurance providers to find the best coverage at an affordable price.