In a homeowners policy, which coverage typically handles loss of personal property due to theft?

Coverage C in a homeowners policy specifically addresses personal property, and it includes protection against various risks, including theft. This coverage typically extends to personal belongings owned by the policyholder while they are at home or away, within certain limits. In the event of a theft, Coverage C provides financial compensation to the homeowner for the value of the stolen items, helping to alleviate the financial burden caused by their loss.

The other coverage options serve different purposes: Coverage A generally covers the dwelling itself, Coverage B pertains to other structures on the property not attached to the dwelling (like a shed or fence), and Coverage D relates to loss of use, which provides benefits if the home becomes uninhabitable due to a covered loss. Therefore, Coverage C is the appropriate section that offers protection for personal property, including losses resulting from theft.