Contents Coverage
The portion of a homeowners insurance policy that protects your personal belongings against covered perils.
Detailed Explanation
Also known as Coverage C or Personal Property Coverage, this protection typically covers furniture, clothing, electronics, and other possessions. Coverage is often calculated as a percentage of your dwelling coverage, usually between 50-70%.
Practical Example
When a fire damaged Lisa's living room, her contents coverage helped pay for replacing her damaged furniture, electronics, books, and clothing that were affected by the smoke and flames.
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