Coverage C: Personal Property

Coverage for your personal belongings such as furniture, clothing, jewelry, electronics, and entertainment equipment.

All About Personal Property Coverage

Coverage options don’t just stop at the physical structures themselves. Why is this? Because the personal possessions that family members own inside of a home can often be just as valuable as the actual real estate they’re placed within.

Homeowners have many passions, interests, hobbies, and inspirations in their life that help them convey their sense of style and the way they express themselves. As a result, home interiors often contain high quality furniture, appliances, electronics, jewelry, and other keepsakes.

Thankfully, this is the reason why personal property coverage, or Coverage C, was established under the condo insurance policy. Protect damaged or destroyed personal items to ensure you can replace your most prized possessions.

What's covered?

Coverage C can cover most common events, such as:

Fire or smoke

Hurricane

Hail

Lightning

Explosion

Water damage caused by burst pipes

Theft

Vandalism

Weight of ice, snow, or sleet

Impact by aircraft or land vehicle

Riots

How much Coverage C do I need?

Your belongings are mementos of the life you have lived and coverage for your precious personal items is a must for most families. Coverage C typically default to 25% of the Coverage A limit selected and may be increased to 75% of Coverage A or excluded altogether, although not recommended.

In instances where you require more than 75% of the Coverage A limit, additional coverage may be scheduled with the assistance of your agent of record.