Which of the following is excluded under Coverage C for Personal Property?

Coverage C in a typical homeowners insurance policy pertains to personal property, which usually includes a wide range of items such as furniture, appliances, clothing, and personal items. However, certain items are explicitly excluded from this coverage to protect the insurance company from high-risk claims or to acknowledge that some items should have specialized insurance.

Coins and currency are often excluded under Coverage C because they can hold significant value and often appreciate independently of the rest of a policyholder's personal property. This exclusion serves to limit the insurer's liability for items that could lead to disproportionately high claims if lost or stolen, as their values can be highly variable and subjective.

On the other hand, furniture, appliances, clothing, and personal items are typically included within the personal property coverage, as they represent common forms of household possessions that most policyholders own. Similarly, household pets are generally not considered personal property in the context of Coverage C; they are usually covered under specific sections or types of insurance disregarding property coverage defined under Coverage C.