What is covered by Coverage C in a dwelling policy?

Coverage C in a dwelling policy specifically pertains to personal property. This coverage is designed to protect the insured's belongings within the home, which includes items such as furniture, clothing, and appliances. The purpose of this coverage is to provide financial reimbursement for personal items that are damaged or stolen due to a covered peril, such as fire or theft.

Understanding Coverage C is crucial for policyholders, as it delineates what personal items are protected under their insurance policy. This coverage typically has limits that can vary based on the policy, and there may be exclusions for certain high-value items, meaning that policyholders might need additional coverage or endorsements to fully protect those.

In contrast, the other options relate to different aspects of a dwelling policy. Liability coverage addresses responsibility for injuries or damages caused to others, structural damage pertains to the physical structure of the dwelling, and loss of use deals with the expenses incurred if the home becomes uninhabitable due to a covered loss. Each of these coverages serves distinct purposes within a dwelling policy.