Home & Property
Coverage C (Personal Property)
The homeowners policy section that reimburses the policyholder for damaged or stolen personal belongings, such as furniture, electronics, and clothing.
Last reviewed: May 2026 · Editorial methodology
Definition
Coverage C insures the policyholder's movable personal property — furniture, electronics, clothing, sporting equipment, kitchen items, and similar possessions — against covered perils, both at home and away from the residence. In an HO-3, Coverage C operates on a named-perils basis; the HO-5 extends open-perils coverage to personal property as well. Standard Coverage C limits are typically 50–70% of the Coverage A dwelling limit, meaning a $400,000 home carries $200,000–$280,000 in personal property coverage by default. Policyholders who settle claims on an ACV basis receive depreciated values; adding a replacement-cost-on-contents endorsement eliminates depreciation on personal property. Coverage C includes several categorical sub-limits — $1,500–$2,500 for jewelry, $2,500 for firearms, $2,500 for silverware — that often require supplemental floaters for full protection. Off-premises coverage is typically limited to 10% of the Coverage C limit, so items left in a car or hotel room have restricted protection.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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