Final answer:
Generally, homeowners policies include coverage for windstorm damage to personal property, even if no opening has been created by a covered peril. It is essential to review your policy or consult your insurance agent to understand specific coverages and exclusions.
Step-by-step explanation:
The question is regarding whether personal property coverage in a homeowners policy includes damage from windstorms when no opening has been created by a covered peril. Generally, homeowners policies do include coverage for windstorm damage. This would typically cover personal property inside the building even if a storm does not create an opening.
However, the specifics can vary greatly depending on the provider and the terms of the policy. It's essential to review your policy or speak with your insurance agent to understand the coverage you have for such events. Exclusions and conditions can apply, and in some regions prone to high winds, additional coverage may need to be purchased separately.