Because the Utah Division of Risk Management receives many inquiries regarding coverage for personal property and contents, we have published a new reference guide for the 2026–2027 policy period: the Personal Property & Contents Guide. The guide is attached.
Please note that this document is intended strictly as an operational reference guide. It is not an all-inclusive guide, as individual loss circumstances, specific terms, conditions, and policy exclusions will ultimately determine whether coverage applies to a specific claim. The assigned claims adjuster determines final coverage availability after formal loss intake and claims investigation.
We hope this resource helps clarify general guidelines for your team. Please reach out with any questions.