What types of property are excluded from Coverage C?

Coverage C under a homeowners policy, known as "Personal Property Coverage," typically provides protection for personal belongings owned by the insured. However, certain types of property are explicitly excluded from this coverage to avoid ambiguity and potential loss.

The selection of pets, motor vehicles, and certain types of business property as excluded items aligns with common insurance practices. For instance, pets are considered living beings, and their care often falls under different coverages or policies tailored specifically for them. Motor vehicles are generally covered under automobile insurance policies rather than homeowners insurance due to their different risk profiles. Certain types of business property may also be excluded to avoid conflicts with commercial insurance policies, as homeowners insurance is not designed to cover business-related losses.

This clarity helps policyholders understand the limitations of their coverage so they can seek alternative policies or supplemental coverages where necessary. The other options provided do tend to fall under Coverage C; household appliances, clothing, and personal belongings are typically included, while outdoor landscape features may also be considered part of the home's overall value but might fall under separate coverage considerations such as landscaping under Coverage B.