Protection for the Things That Make Your House a Home
Coverage C (Personal Property) helps protect your belongings if they're damaged, destroyed, or stolen as the result of a covered loss.
While Coverage A protects the structure of your home, Coverage C protects the personal belongings inside it—from furniture and clothing to televisions, electronics, appliances, and other everyday possessions.
Understanding what is—and isn't—covered can help you make informed decisions about protecting the things you've worked hard to own.
What Does Coverage C Protect?
Coverage C helps pay to repair or replace your personal belongings after a covered loss.
Common examples include:
Rule of thumb: If you could reasonably pick it up and take it with you when you move, it is generally considered personal property under Coverage C.
How Much Personal Property Coverage Do I Have?
Most homeowners policies automatically include Coverage C as a percentage of your dwelling coverage (Coverage A).
For many policies, Coverage C is set at 50% to 75% of your Coverage A limit, although the exact amount varies by insurance company and the options you select.
For example:
Keep in mind that some types of property—such as jewelry, firearms, collectibles, artwork, and cash—may have special limits. If you own valuable items, you may want to discuss additional coverage with your insurance agent.
Common Misconception
Many homeowners assume everything they own is automatically covered for its full value.
While Coverage C protects a wide variety of personal belongings, some types of property have special coverage limits or may require additional coverage to be fully protected.
Items such as jewelry, firearms, collectibles, artwork, cash, and certain business property may have lower coverage limits than the rest of your personal belongings.
The easiest way to think about it: Most everyday household items are covered under Coverage C, but high-value possessions often require special consideration.
Real-World Example
A fire damages your home, destroying furniture, clothing, electronics, and other personal belongings inside.
While Coverage A helps repair the structure of your home, Coverage C helps pay to repair or replace your damaged personal belongings, subject to your deductible, policy limits, and policy terms.
Remember: Your home and your belongings are insured under different coverages. Coverage A protects the house itself, while Coverage C protects the things that make it your home.
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