What type of property does Coverage C apply to?

Coverage C in a homeowners insurance policy specifically pertains to household and personal property that is usual to a dwelling. This typically includes items such as furniture, clothing, appliances, and personal belongings that are kept within the residential space. The intent of this coverage is to protect the insured's personal items from risks like theft, fire, or damage.

It is important to understand that this coverage does not extend to all types of property. For instance, buildings not connected to the dwelling, such as sheds or detached garages, are generally covered under a different part of the policy. Similarly, real estate investments and land surrounding the insured property also fall outside the scope of Coverage C, which is strictly focused on personal and household items. Thus, the specificity of Coverage C is targeted toward insuring personal possessions, making it crucial for policyholders to understand the distinction in order to adequately safeguard their belongings.