What items are explicitly excluded from the worldwide coverage under Coverage C?

The correct answer is that rowboats and canoes are explicitly excluded from the worldwide coverage under Coverage C. Coverage C within a typical homeowner's policy is designed to cover personal property, but specific items are often limited or excluded to manage risk appropriately.

Rowboats and canoes, while personal property, generally present unique risk factors due to their usage and the potential for liability claims. As such, many policies explicitly list them as excluded from personal property coverage under Coverage C. This exclusion serves to clarify the types of items that enjoy protection and those that do not, helping policyholders understand their coverage limitations.

Clothing and accessories, household goods, and jewelry and personal artifacts often have specific terms and conditions under Coverage C, but they are typically not subject to the same exclusions as rowboats and canoes. Recognizing what is and isn’t covered under personal property insurance is essential for homeowners to ensure they are adequately protected.