When can Coverage C be extended for personal property?

Coverage C, which pertains to personal property insurance on a homeowner's policy, can be extended for personal property with an endorsement specifically requested by the policyholder. This means that if a homeowner wants to increase the limits of coverage for certain types of personal property or change the nature of the coverage, they must actively request this change through an endorsement.

Endorsements are modifications to the insurance policy that alter its terms or coverage. In this case, if the insured wants to ensure that specific valuable items or collections are adequately covered, they must formally request the endorsement to extend Coverage C. This customization allows policyholders to tailor their coverage to fit their specific needs and circumstances. Without such a request for an endorsement, the standard limits and coverage would remain in effect, and the opportunity to extend coverage wouldn't occur automatically or after a set period like 30 days.