Massachusetts Personal Lines Practice Exam

Coverage C in a typical homeowners insurance policy refers to personal property coverage. This section of the policy is designed to protect the insured’s belongings within their home. Common personal belongings include furniture, clothing, appliances, and other items typically found in a household.

This coverage provides compensation if these items are damaged or stolen due to various perils like fire, theft, or vandalism, up to the policy limits. It effectively safeguards the insured's everyday items, which is why the inclusion of common personal belongings found in homes defines Coverage C accurately. It also allows for a broad range of items, not limited to just valuable or business-related possessions.

Other choices do not reflect the intent or scope of Coverage C. Business property, items not owned by the insured, and only valuable items like jewelry do not encompass the full range of personal property typically included in this coverage.