Coverage C under a Dwelling or Standard Homeowner's policy contains coverage for what?

Coverage C under a Dwelling or Standard Homeowner's policy specifically provides coverage for personal property. This includes items such as furniture, clothing, electronics, and other personal belongings that are owned by the insured. In the context of homeowners insurance, personal property coverage helps protect against losses or damages to these items due to risks such as theft, fire, or other covered events.

This coverage is distinct from other coverages provided under the policy. For example, liability coverage for personal injuries falls under a different part of the insurance policy, often referred to as Coverage E in a homeowner's policy. Real property, which consists of the structure of the home and any attached buildings, is addressed under Coverage A or B, depending on the specific policy. Additional living expenses, which cover costs for temporary housing when the home is uninhabitable due to a covered loss, are classified under Coverage D. Thus, it is clear that Coverage C is specifically designated for personal property.