What is the coverage limit for personal effects under a physical damage policy?

The coverage limit for personal effects under a physical damage policy is commonly set at $100. Personal effects coverage is designed to protect personal items that may be lost or damaged while they are within or connected to a vehicle. This coverage can apply to items such as clothing, bags, and other valuables that are not specifically covered by other types of insurance policies.

In the context of this question, the standard limit reflects the insurance industry's acknowledgment that while personal effects can be valuable, the coverage amount is intentionally set at a modest level to balance protection with risk management for insurers. Other choices such as $200, $250, and $500 may be reasonable amounts for different forms of coverage or for different insurance policies, but they do not align with the standard limit typically applied to personal effects in physical damage policies. Thus, the correct amount of $100 is consistent with what is typically provided in this context.