Personal property (Coverage C)
Home or renters limit for belongings—furniture, clothing, electronics.
Plain definition
Personal property coverage (Coverage C) insures your movable possessions for covered perils, often on named-peril basis in HO-3 unless endorsed to replacement cost on contents. Special sublimits apply to jewelry, cash, business property, and watercraft.
Why it matters
Total loss fire claims need inventories; default sublimits leave high-value categories underinsured unless scheduled.
Example
Burglars steal laptops and bikes totaling $8,000. Coverage C pays covered theft loss above deductible up to policy limits and sublimits.
Common misunderstanding
Roommate property is not covered unless they are insureds or items are scheduled—only named insureds’ property qualifies.
Policy language always controls. This is educational content, not advice. See our disclaimer.