By Jarrod Heil

Home Insurance Breakdown: What Is Coverage C (Personal Property)?

One of the most common protections found in nearly every home insurance policy is personal property coverage, which is also referred to as Coverage C. While it’s also called personal property insurance, it’s actually coverage that may act as its own entity in certain cases.

Like the rest of the coverage categories in home insurance, personal property coverage can work in tandem or as its own separate unit, depending on the type of claim.

What Is Personal Property Coverage?

  • • Furniture
  • • Computers
  • • TVs
  • • Electronics
  • • Clothes
  • • Sports equipment

Types of Personal Property Coverage

1. Actual Cash Value

2. Replacement Cost

How Much Personal Property Coverage Do I Need?