Question

Which of the following is not covered under Coverage C, Personal Property?

Answer 1

Coverage C, Personal Property, typically includes most personal items within the insured home, but does not cover vehicles, and high-value items may require additional coverage.

Step-by-step explanation:

The question, which asks about what is not covered under Coverage C, Personal Property, pertains to homeowner's insurance policy specifics. Coverage C typically includes personal property within the insured home, but there are exceptions. Examples of items not covered might include a homeowner's car, since it's covered under auto insurance, instead of homeowner's insurance. Moreover, items of high value, like jewelry or fine art, may require additional riders for full coverage because standard policies often have limits on certain types of personal property.

Answer 2

Coverage C, Personal Property, typically provides coverage for personal belongings or contents within a home or property. This includes items like furniture, clothing, electronics, and other personal possessions.

Land and buildings.

Explanation:

Coverage C, Personal Property, typically provides coverage for personal belongings or contents within a home or property. This includes items like furniture, clothing, electronics, and other personal possessions.

Personal belongings within the home, such as furniture and clothing, are covered under Coverage C.

Land and buildings are considered real property and are not covered under Coverage C. Instead, they fall under Coverage A, which is Dwelling coverage.

Liability coverage for bodily injury or property damage to others is usually covered under Coverage E, Personal Liability.

Additional living expenses incurred due to a covered loss that makes a home uninhabitable is often covered under Coverage D, Loss of Use or Additional Living Expenses.

In summary, land and buildings, being real property, are not part of Coverage C, which is specifically for personal property or belongings.