what is personal property coverage in home insurance

[StBraxton]

Personal property coverage in a home insurance policy, also called Coverage C, helps pay to repair or replace your belongings like furniture, electronics, and clothing if they are damaged, destroyed, or stolen due to a covered peril, such as fire, windstorms, or theft. It typically covers items inside and outside your home, though limits and exclusions may apply for certain high-value items or specific causes of loss. The payout can be based on either the actual cash value (ACV) or the replacement cost value (RCV) of the item.