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:

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:


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.

About the author

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Alix Carman