In DP Coverage C, what type of property is covered?

Coverage C in a Dwelling Policy (DP) pertains specifically to personal property that is located on the insured premises. This coverage is designed to protect the personal belongings of the insured, such as furniture, clothing, and appliances, as long as they are within the defined bounds of the property covered by the policy.

This differentiation is important: while some policies may extend coverage for personal items off the premises, DP Coverage C is strictly limited to those items found within the home or property specified. This restriction eliminates confusion about what is and isn't covered, ensuring that policyholders are aware that personal property stored outside the premises would not benefit from this particular coverage. Additionally, the coverage does not extend to real estate or land improvements, focusing solely on movable personal property.