What does Coverage C specifically cover?

Coverage C specifically addresses personal property protection. In the context of homeowner's insurance, it refers to the coverage provided for personal belongings and possessions within the insured premises, such as furniture, electronics, clothes, and other personal items. This coverage applies to the loss or damage of personal property due to risks like theft, fire, and certain types of water damage.

Understanding this distinction is crucial, as it identifies the areas of protection provided to the policyholder beyond the structure itself (which would fall under Coverage A for real property). Coverage C is particularly relevant for renters and homeowners who need financial protection for their personal items, emphasizing the importance of keeping an accurate inventory of belongings and understanding the limitations and exclusions that may apply.