What does "coverage C" in a homeowners policy provide?

In a homeowners policy, "coverage C" specifically provides coverage for personal property owned by the insured. This aspect of the policy addresses the loss or damage to personal belongings within the home, such as furniture, appliances, clothing, and other personal items. It is designed to protect the policyholder's possessions against specific risks like theft, fire, or vandalism.

This coverage typically represents a percentage of the total dwelling coverage and can often be expanded or adjusted based on the policyholder’s needs. Understanding that "coverage C" serves to protect personal property is essential for anyone studying homeowners insurance, as it highlights the importance of safeguarding one's belongings in addition to the physical structure of the home.