Coverage C (Personal Property Coverage)
The part of a homeowners insurance policy that covers your personal belongings if they are damaged, destroyed, or stolen.
Detailed Explanation
This coverage extends to furniture, clothing, electronics, appliances, and other possessions. Coverage limits are typically set at 50-70% of your dwelling coverage amount, with sub-limits for high-value items like jewelry or electronics.
Practical Example
After a break-in, Sarah's Coverage C helped replace her stolen television, laptop, and jewelry, though she received only the maximum sub-limit for the jewelry since she hadn't scheduled these items separately.
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