If you have fire in your house that damages your furniture what type of insurance should you have to replaceyour damaged furniture?
Most homeowners insurance or renters insurance covers personal
property. If you own your home and have insurance, your probably
have homeowners insurance like an HO3, HO4, or HO5 policy. These
types of policies almost always cover contents. Some people have a
SF policy, or standard fire. That covers just the house, nothing
inside. Pretty basic policy. Those policies are usually used for
rental places, business, non-lived in houses. Its a cheap cheap
policy.
You policy may or may not have Replacement Cost Value. Most
policies do. If you have an ACV policy, you probably had to ask
specifically for it.
To answer your question short and sweet, you need Schedule C
Contents coverage.