What Are Personal Effects in Insurance?

by Alix Carman | 1 min read    August 30th, 2019

You may have heard the term “personal effects” when talking to your insurance provider about your contents cover, or when referencing your home insurance policy. But what does personal effects mean?

Personal Effects Insurance Definition

In insurance, personal effects are the items that you wear or carry outside of the home on a day-to-day basis. In the context of your Allianz home insurance policy, these are the items that are covered under your policy when they’re not actually in your home. Cover for personal effects only applies once you have selected Miscellaneous Unspecified All Risks.*

*Miscellaneous Unspecified All Risks is an optional extra. Payment on any one item is limited to €2,000.

Examples of Personal Effects

Some items that are covered under your Allianz home insurance policy include, but are not limited to:

  • Clothes
  • Wallets
  • Purses
  • Handbags (including what’s in your handbag like makeup or perfume, but excluding documents)
  • Jewellery (including smart watches like a Fitbit)
  • Glasses (including sunglasses and contact lenses)
  • Dentures
  • Hair pieces (including wigs)
  • Hearing aids
  • Personal organisers
  • Mobile phones
  • Mp3 players (i.e. iPod, portable speakers)
  • Earphones/headphones (i.e. Airpods)
  • Laptops (including tablets i.e. iPad, Kindle)
  • Cameras (i.e. DSLR, GoPro; including lenses and accessories)
  • Sat navigation (used for hill walking)
  • Portable gaming device (i.e. Nintendo DS)
  • Medication
  • Camping Equipment
  • Small Medical Devices (i.e. insulin pumps, blood pressure monitors; Limit of €2,000)

What Isn’t a Personal Effect?

Some items that are not covered under your Allianz home insurance policy as a personal effect include but not limited to:

  • Musical Instruments
  • Drones
  • Electric shavers
  • Electric toothbrushes
  • Driving licenses and passports
  • Money over the limit provided under Unspecified all Risks
  • Sat navigations (used solely as a car accessory)
  • Suitcase
  • Buggy/pram
  • Car seat
  • Electric scooters (Including Segways, hoverboards)
  • Electric wheelchairs


Keep in mind, this is not a complete list of what is (or is not) a personal effect. Please contact Allianz if you have a question about an item not listed here.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria and policy conditions apply.

Learn more about Allianz Home Insurance.


Information correct as of date of publishing. This blog will not be updated or edited so the information may become outdated.


Alix Carman
Helping to break down Renter's Insurance cover.