Under homeowners insurance, what is "Coverage C"?

"Coverage C" in homeowners insurance specifically refers to personal property coverage. This type of coverage is designed to protect the insured's personal belongings, such as furniture, electronics, clothing, and other possessions, against risks like theft, fire, or damage due to various perils outlined in the policy.

Understanding this coverage is important because it helps homeowners ensure that their valuable items are financially protected in the event of a loss. Personal property coverage generally applies to items within the home as well as, in some cases, items taken outside the home, offering a comprehensive safety net for the homeowner's personal assets.

The other choices reflect different aspects of homeowners insurance. For instance, liability to others pertains to coverage for legal responsibilities resulting from injury or damage caused to someone else, while dwelling coverage relates specifically to the structure of the home itself, and additional living expenses cover costs incurred if the home becomes uninhabitable due to a covered loss. Each of these serves a distinct purpose but does not represent "Coverage C."