What does Coverage C cover in a homeowners policy?

Coverage C in a homeowners policy specifically covers personal property owned by the insured. This includes items such as furniture, clothing, electronics, and other personal items. In a typical homeowners policy, this coverage ensures that if these personal belongings are damaged, destroyed, or stolen due to a covered peril (like fire, theft, or vandalism), the insured will receive compensation to help replace or repair them.

This coverage does not apply to items owned by others (unless the insured is legally responsible for them) and has certain limits and exclusions that may apply, such as higher limits for specific valuable items like jewelry or artwork. Understanding this coverage is essential for homeowners to ensure they are adequately protected against potential losses of their personal property.