Coverage C – Personal Property

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Coverage C – Personal Property


What is Coverage C?

Coverage C, also known as personal property coverage, is a part of your homeowners insurance policy that protects your personal belongings. This includes things like furniture, clothing, electronics, jewelry, and appliances.

How much coverage do I need?

The amount of Coverage C you need will depend on the value of your personal belongings. You should consider the cost to replace all of your belongings, including things like clothes, furniture, electronics, and jewelry. You should also consider the cost of additional living expenses if you have to relocate after a loss.

How to File a Claim for Coverage C

In the event of damage to your personal belongings caused by a covered peril, follow these steps to file a claim:

  1. Contact your insurance carrier: Notify your insurance carrier as soon as possible to initiate the claims process.
  2. Document the damage: Take photos or videos of the damaged items and gather any receipts or proof of purchase to support your claim.
  3. File a claim form: Complete the necessary claim form provided by your insurance company, providing detailed information about the damaged belongings.
  4. Assessment by the insurance company: A licensed claims specialist will assess the damage and provide a settlement review.

How to Increase Your Coverage C

If you have valuable personal belongings or live in an area prone to natural disasters, you may want to consider increasing your Coverage C. To do so, you can add an endorsement to your homeowners insurance policy. Speak with your insurance agent to discuss the options available and ensure your coverage adequately reflects the value of your possessions.


Coverage C is a crucial aspect of your homeowners insurance policy, providing protection for your personal belongings. Understanding what is covered, what is not covered, and the claims process empowers you to make informed decisions about your coverage. Remember to review your policy carefully, maintain an inventory of your belongings, and periodically reassess your coverage limits to ensure you have adequate protection. If you have any questions or concerns about Coverage C, reach out to your insurance agent for clarification and guidance.

Here are some additional tips for understanding Coverage C:

  • Read your homeowners insurance policy carefully to understand what is covered and what is not.
  • Keep track of the value of your personal belongings so that you can make sure you have enough coverage.
  • Take photos of your personal belongings and keep them in a safe place.
  • Review your Coverage C coverage limits periodically to make sure they are still adequate.

By following these tips, you can help ensure that you are properly protected in the event of a covered loss.


Related Blogs

Coverage A – Dwelling

Coverage B – Other Structures

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