Which section of a standard homeowners policy covers personal property?

Coverage C of a standard homeowners policy specifically pertains to personal property. This section is designed to provide financial protection for the personal belongings of the policyholder, including items such as furniture, electronics, clothing, and other personal items within the insured residence.

This coverage typically applies to personal property owned or used by the insured while at home or even when temporarily away from the residence. It helps safeguard against risks such as theft, fire, and certain types of damage. The limits of Coverage C are generally subject to certain sub-limits for specific types of valuables, such as jewelry or art, but overall, it represents a critical component of a homeowner's insurance policy concerning personal belongings.

The other coverage sections pertain to different aspects of the policy: Coverage A covers the dwelling itself, Coverage B is for other structures on the property, and Coverage D relates to loss of use or additional living expenses if the home becomes uninhabitable due to a covered loss. Each of these coverages serves a distinct purpose within the homeowners policy framework.