Which of the following is NOT covered under Coverage C?

Which of the following is NOT covered under Coverage C?

• A. Personal property at a secondary residence
• B. Items specified in the policy
• C. Property belonging to a roommate
• D. Clothing owned by the insured

Answer: (C)

Coverage C in standard homeowners insurance policies typically pertains to personal property, such as clothing, furniture, and electronics. This coverage extends to items that are owned by the policyholder and, under specific conditions, can include personal property located at secondary residences as well. The correct choice highlights property belonging to a roommate as not covered under Coverage C. Generally, homeowners insurance policies are structured to cover the personal belongings of the named insured individuals, which would be the policyholder and their family members residing in the household. As such, any personal property owned by a roommate would not be included in the standard coverage, as insurance policies typically do not extend coverage to non-relatives living in the same dwelling unless specific endorsements or additional policies cover their possessions. The other options represent scenarios that can often be covered under Coverage C. Personal property at a secondary residence is usually included, items specified in the policy can encompass valuable items, and clothing owned by the insured is clearly personal property also covered under this type of insurance.

Coverage C in standard homeowners insurance policies typically pertains to personal property, such as clothing, furniture, and electronics. This coverage extends to items that are owned by the policyholder and, under specific conditions, can include personal property located at secondary residences as well.

The correct choice highlights property belonging to a roommate as not covered under Coverage C. Generally, homeowners insurance policies are structured to cover the personal belongings of the named insured individuals, which would be the policyholder and their family members residing in the household. As such, any personal property owned by a roommate would not be included in the standard coverage, as insurance policies typically do not extend coverage to non-relatives living in the same dwelling unless specific endorsements or additional policies cover their possessions.

The other options represent scenarios that can often be covered under Coverage C. Personal property at a secondary residence is usually included, items specified in the policy can encompass valuable items, and clothing owned by the insured is clearly personal property also covered under this type of insurance.